Dental Benefits
At Advanced Dental,
we believe that you deserve the best care. That’s
why we always present you with the best dental solution possible to treat
your personal situation. Each year we provide outstanding dental care to
hundreds of folks. Some have dental benefits but most don’t. If you
have dental benefits, congratulations! You are very fortunate. Here are some
important things you should know:
- Your dental benefits are based upon a contract
made between your employer and an insurance company. If you have any questions
regarding your dental benefits please contact your employer or insurance
company directly.
- Dental benefits differ greatly from medical
benefits. In 1959, most dental benefit plans had a yearly maximum cap of
$1,000. You’ll be surprised to know today that the average dental
benefit plan has a yearly maximum cap of $1,000. There
has been no significant increase in the yearly maximum cap in 40 years! However,
there have been significant increases in your premiums. Dental benefit
plans will never pay for completion of your dental care. It is only meant
to assist you.
- Many people receive notification from their
insurance company that dental fees are "above usual and customary." An
insurance company determines their reimbursement level by surveying a geographical
area, calculating the average fee, then determines that 80% of the average
fee is customary. Included in this survey are discount dental clinics and
managed care facilities, which have severely reduced dental fees that bring
down the average. Any doctor in private practice
will have fees that insurance companies define as "higher than usual
and customary."
- Many dental benefit plans tell their participants
that they will be covered "up to 80% or 100%" but do not clearly
specify the plan fee schedule allowance, annual maximum or limitations.
It is more realistic to expect dental benefit plans to cover between 25%
to 40% of dental services. Remember that the amount
a plan reimburses is determined by how much your employer has paid for
your dental benefit plan. You will get back only what your employer
has put in, less the insurance company’s
profit margin.
- Insurance companies do NOT
recognize many routine and newer dental services.
Our team members will gladly assist you in filling
out the necessary forms to maximize your dental benefits and discuss your
financial options. Excellent dental care is available with or without dental
benefits. We hope you will choose the best that dentistry has to offer.
Contact Advanced Dental by phone at (860) 828-3933
or via email at: contact@AdvancedDental.com
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