Now that the end of the year is approaching a lot of you are going through plan after plan your employer has selected for your medical, dental and vision plans. I hope this will help in understanding dental insurance better and will assist in helping you choose the correct plan for you. One of the largest misconceptions about dental insurance is that it works hand in hand with your medical insurance - it does not. Dental insurance is a completely different animal. The way I can best describe it to a patient is to think of it strictly as a discount - no more, no less. Dental coverage is decided by how much your employer pays into the plan, it has nothing to do with what your dentist would recognize as the best possible treatment. It is a contract between your employer and the insurance company and they are deciding what amounts your plan pays and what is covered. You as an employee have every right to let your employer know if your coverage is not adequate for your health needs.
So many of my patients will tend to select the treatment option that is covered by their dental insurance and not what is recommended. I feel I must point out that your health is the most important thing. As many of you know I tend to recommend to my patients what I would to my own mother or father to keep their mouths healthy; it is not my practice to overextend your wallets. Many dental offices, including mine, try to help take all the guess work out of dental insurance. We will call and get full breakdowns from each company to get an overview of what is covered and what is not. We will file all of your claims so you do not have to mess with the paperwork and follow up ultimately saving you a lot of time and money. Dental insurance is just one part of staying healthy. If you ever have any questions on how your insurance works - we will be more than happy to take the time to explain all of the ins and outs. We will help you understand what your insurance will cover and how to plan accordingly. Remember, the least expensive option is not always the best option. This goes for dental, medical or vision. Understand your insurance; it will make your life a lot easier when it comes to deciding what is best for you.