About Your Dental Insurance
Dental insurance isn’t what it once was. It used to be that $1,000 of coverage in the 1960s was significant, but today a single broken tooth would use that entire annual benefit.
It’s a shame that when you find out that you have “dental insurance” as a benefit with your employment, they often don’t tell you what you are really getting. What they should be telling you is that you are being given a dental “supplemental” plan to help offset your dental expenses. It was never intended to pay for all your dental care.
In Network versus Out of Network
Then there is the “in-network verses, out-of-network” question. If you have a traditional dental plan, you can see anyone you choose. If you have a DMO, or HMO type plan, then you can only see a dentist on the list who accepts those types of dental plans. What’s the difference between in-network verses out-of-network? Often the difference is in the type of materials used and the level of professional who is performing the actual dentistry.
When you see an in-network dentist, in order for the costs to fit within your plan’s allowance, something has to give. What has to give is the type of dental material used, and the amount of time you are given for the procedure. Another thing that changes is where your crown is made and with what type of material. In order to keep the costs down, some offices send their work out of the country.
Many times patients will receive silver amalgam fillings instead of tooth-colored “bonded” fillings. As an out-of-network office, we take whatever time is needed to do the procedure and always have a true dentist, not an expanded functions dental assistant (EFDA), doing the work.
Summing it all up
In order to keep costs down, a dentist who takes insurances that are in-network has to find a way to control costs which means a different level of dental care than an out-of-network practice can offer to you. We will do whatever we can to help you get the maximum amount your dental benefit allows. If you are a patient with us who has dental insurance, please understand that you do not have unlimited benefits and coverage with your dental insurance. Rather, you have a supplemental plan that may help offset your dental expenses – and we will do our best to make sure you receive those dollars.