From mildly relaxed to
"I thought I was asleep"
You can be as relaxed as you wish.
DENTAL INSURANCE
Dental Insurance is a wonderful aid, but it is not what it once was. Dental insurance differs from medical insurance in that it helps people with minor problems but is of little or no help to people with major problems. Insurance companies practice this way to minimize claims and maximize their revenues. They usually offer a maximum benefit of $1000.00 per year. This was offered back in the 1960’s. They have not increased the dental benfit maximum, however, the cost of living has increased as well as materials and supplies. So if you base this coverage on todays dentistry, you are not going to get very far with this dollar figure.
We will verify your dental coverage and review your benefits available. We will file for
reimbursement of dental treatment. We must state that the policy is between you and your insurance company. We do not have any ownership in this union. We are not obligated to collect from your dental insurance carrier and they do not have to pay us as
a provider of dental services. Additionally, insurance companies lose about 25% of all major claims submitted. We have heard all excuses and cannot accept the responsibility to attempt long delays in paying of benefits and tracking of unpaid claims. We allow your company to take 30 days from the day of the dental procedure to make a payment. If after that time, no payment has been made, the responsibility to collect from the dental carrier becomes the patients responsibility. some insurance companies are more ethical than others, depending on their profitability.
Mnay companies use a language that states your dentist charges more that the average dentist in your area. They use the “UCR” ( usual and customary rates) quote when they deny coverage of a procedure. This is illegal and unlawful. This term has nothing to do with fees that we charge. It is usually a number that the insurance company paid an accountant firm to calculate for them to project the company’s profit margin. Many companies cannot tell you how this number (UCR) was calculated.
These and other deceptive practices has led the American Dental Association to sue several large insurance companies. They are currently pursuing questionable practices with Aetna and Blue Cross Blue Shield. The ADA has been gathering data for a long time and the battle is like David and Goliath. It is a very expensive undertaking to sue wealthy insurance companies.