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01May2015

Questions About Dental Insurance??? Here Are Some Answers

DO YOU HAVE QUESTIONS ABOUT DENTAL INSURANCE? Here’s some information that will help you get the most out of your plan.

How Dental Insurance Differs From Medical Insurance

Regular medical insurance is designed to help with major, expensive illnesses and provides minimal help with preventative care. Dental insurance usually works the opposite way. It typically covers a large percentage of preventive care (such as your regularly scheduled checkups and cleanings).

You get the most out of your dental insurance when you take preventive measures. It’s also what’s best for your smile, of course!

Pamela Answers Some Commonly Asked Questions…

Insurance is a complex subject, so major props to Pamela, who takes care of it here in our office. We invited her to answer some questions that we knew you’d find helpful.

“Which Insurance Companies Do You Work With?”

“We will work with ALL insurance companies! A big misconception is that you MUST go to an in-network dentist. For most insurance policies this is not the case. This allows you to take advantage of the benefits through your policy at the dentist of your choosing. The difference between in-network and out-of-network cost lies in the insurance companies allowed amounts and the actual charged amount by your dentist office. For example, your dentist office charges $80 for a regular cleaning, your insurance pays 100% of cleanings which actually means 100% of their “allowed” amount, which could be $75. That leaves $5 in out-of-pocket expenses. Allowed amounts can vary widely and are often determined by an agreement between your employer and the insurance company.”

Please note: We are a Preferred Provider For…

“We are a preferred provider for Aetna, Assurant, and United Concordia which provide exceptional dental health options!”

“How Do You Process Claims In Your Office?”

“I will electronically file your dental claims from our office. Electronic filing means I get claims paid faster and I am able to take care of denials or inquires in real time. I am your advocate with your insurance company and will do everything in my power to get your claims paid.”

“What Should I Know If I’m Looking Into Dental Insurance Plans Right Now?”

Call an expert! I cannot even express enough the importance of knowing what you’re getting!

“If you are signing up for a new plan, choosing PPO is always better than HMO. This gives you more flexiblity in which dentist you can see for your oral health care.

“Beware of any policies that offer ‘fee based’ coverage. This means that the policy says ‘100% Preventative coverage, 100% Basic Coverage, and 80-100% Major coverage based on maximum allowed amount.’ Allowed amounts on these policies are ridiculously low! That cleaning we talked about earlier will likely have an allowed amount of $20!

“Medicare Supplemental policies need to be carefully looked at as well. I see seniors being taken advantage of, with policies they can’t use, more than any other group.

“Most employer provided dental insurance policies are fairly easy to navigate and understand, in these cases talking to co-workers who have the policy can be a huge asset.

“Here at Daniel J. Oehler, DMD we want you to get the most out of your policy and to ensure our patients are not being taken advantage of. Please don’t hesitate to give me a call, I can give you a comprehensive overview of your policy, even if you are not a current patient.”

Let Us Know If You Have Other Questions

We’re here to help. If you’re considering an insurance policy, you can come to us with questions. And if you’re wondering how you can best put your existing insurance policy to work, talk to us!

Thanks for your trust in our practice!

Top image by Flickr user David Hilowitz used under Creative Commons Attribution-Sharealike 4.0 license. Image cropped and modified from original.

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