Insurance Information

A: Dental insurance isn’t really insurance after all. It is a pre-determined benefit which allows a reduction of fees (if within a PPO network), and a specified amount a year to be used to help cover the costs of dental care. It is not based on individual needs or diagnosis. The insurance company never sees your health assessment, nor do they change benefits for individuals based on criteria. All benefits are the same for all members of a group and are fixed and created to make fiscal sense to the employer or group offering the plan.

A: There is no individual policy that will pay well or give you comprehensive coverage. Any individual policy available will either be a simple discount plan (with extremely low reimbursements paid directly to you after you pay us in full), or the few PPO’s that exist for individuals that have extensive limitations, exclusions, downgrades and significant waiting periods that devalue paying for any such policy.

A: Unlike medical care, dental care is still affordable for most people. The important thing is to keep up with excellent home care. See your dentist for preventative care at least twice a year, and barring emergencies, your expenses should not present a burden. If you need more extensive dental care, we have interest free financing for extended periods of time to help your budget.

A: The details of many plans are complex. Keep in mind that your insurance is a contract between you, your employer and the insurance company. These are deductibles, exclusions, frequency limitations and downgrades that are ever changing. This office does everything it can to help understand your plan, but we cannot know every detail of your contract.

A: There have been changes in “Coordination of Benefits” policies that your insurance companies may follow, and even though you have double coverage, you may still need to pay out of pocket for some of your treatment charges.

A: We will welcome you as a patient and you will need to pay 100% out of pocket for all services provided. You will be treated with the utmost respect and consideration. We provide all dental treatments with prevention at the forefront of care. We offer the same level of excellence regardless of any or no insurance.