Dental Insurance

How Dental Insurance Works

• Dental insurance plan is a contract between your employer and the insurance company.  Your employer chooses what services will be covered and at what percentage.
• Dental insurance plan, generally, does not pay all costs of service.
• Dental insurance plan, generally, does not pay for every type of service performed.
• Any amount not covered by insurance plan is the patients responsibility to the dental office at the time of service.
• At the time of service, the patients portion of the payment responsibility is only an estimate. The amount of the patients precise financial responsibility is determined by the insurance company after the claim has been filed. A final statement is then issued to the patient. Most questions regarding your statement are best directed to your insurance company.
• Our office is happy to file the dental claim on behalf of the patient, for the insurance company service benefit. The terms of the insurance are between you, your employer and your insurance carrier. The dental office has no control or influence regarding the coverage you receive from your insurance carrier.
• There are countless variations in what insurance plans pay or not pay.
• Some dental plans require a deductible to be paid before insurance coverage begins for certain types of dental work.
• Most dental plans have a limited yearly amount that they will pay for dental services. Once that limit has been reached, the patient is responsible for full payment of services until the plan renews.
• Dental office has very limited resources in determining your personal, specific coverage. In order to be financially prepared for your dental visit, you need to know your dental plan. Ask your HR contact at work, look online, or call your insurance plan company to get the details of your policy.

Dental Health Insurance Explained by WebMD