Dental Insurance and Dental HMO’s
- For those covered by insurance, we will accept assignment of benefits. This means we will wait for payment from your insurance carrier for 45 days. Most policies do not cover 100% of your treatment even if they say so. They pay 100% of what they would like that fee to be, and they would like the fee to be what is was 15 years ago. Due to this and the extreme delay in receiving payment from insurance companies, you will be asked to pay all deductibles and co-payments prior to the start of treatment. We will estimate what your insurance company will pay, but until we actually receive payment, this is just an estimate. We will make every effort to get your carriers to pay, but the ultimate responsibility of payment is yours. If the insurance carrier has not paid after 45 days, the balance will be due in full by you.
- Dental insurance does not pay for comprehensive treatment. Good dental insurance pays up to $1000 per year when you pay co-payments.
- Your employer and your dental insurer are not going to pay money for you to have the best that dentistry can offer. They pay for the cheapest and therefore the lowest quality that is available.
- Insurance will not pay for: existing missing teeth, cosmetics, or implants.
- Insurance is a poor supplement for dental costs and has nothing to do with your dental health.
- The only people concerned with your dental health are you and your dentist. The less money the insurance company pays, the more they have to invest, and the better off your employer is.
- It is poor dentistry and poor health management to wait years to complete dental work. Delaying dental treatment creates more work as your mouth gets worse and more costly to repair.
Dental HMO’s and DMO’s
These are discounted dental plans. You pay for virtually everything at a reduced rate. The MO in HMO stands for Maintenance Organization. If you need nothing done, then you pay very little. Rates quoted to people by HMO’s are very misleading. The HMO might list a fee for a crown, but there are other fees involved. These fees can include lab fees, build up fees, and upgrade fees for cosmetic or implants. HMO’s list the cheapest and lowest grade of services so they can sell their plans. At best, HMO’s are better than nothing, and at worse they lead you to believe you will get something for a price that cannot occur. We will work with you as a caring staff to make sure you receive great treatment, regardless of your situation.