Most patients want to know how their dental insurance works. Unfortunately, it doesn’t. With HMO’s or DMO’s you pay a fee that’s listed in a plan guideline. If you have a PPO or other type of indemnity insurance, your company will pay from 1000-2500 dollars per year dependent on the type of plan you have. Since they pay according to percentages of fees that they have made up, to see $1000 from a company you need to spend approx $3000 in the dental office. When insurance companies say the pay 100%, they mean %100 of what they elect the fee to be, and they would like the fee to be what it was 20 to 30 years ago.
The following video shows you how we handle all this in our office. Please note: Since we recorded this video we no longer accept Aetna HMO or DMO in our office. We can no longer provide any quality work to Aetna DMO patients based on their “new” fee schedules without shipping our lab work to companies oversea, and we will not do that.
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