rib-ads

| Home | Our OfficeOur Services | Staff | Patient Education | Site Map |

     YOU AND YOUR DENTAL INSURANCE  

  Read more to learn why we can only estimate your insurance coverage.   

DON'T LET YOUR INSURANCE COVERAGE GIVE YOU TUNNEL VISION WHEN IT COMES TO ACCEPTING YOUR DENTAL TREATMENT PLAN!

The opinions expressed are those of our staff, which are the shared experiences of dealing with a number of insurance carriers and helping patients to understand their coverage. 

Basic information concerning dental insurance is available online through the ADA (www.ada.org)

Do you determine the quality of your dental therapy, by how much your insurance will pay? 

Have you had to search for a new dentist because your old one does not participate in a new dental plan? If so.............................................. you are a victim of the insurance system. 

Dental insurance companies have a very strong profit motive and sometimes provide benefits contracts to employers without keeping in mind the ultimate coverage determinant----the patient.  Insurance companies are here to make money and will inarguable work with employers in that regard.^

Our consumer hint to you is that you should never allow your insurance company to dictate dental treatment on the basis of coverage.

It should be no surprise to you that INSURANCE COMPANIES EXISTS SOLELY TO MAKE MONEY, NOT to pay your dental bills. Maximum benefits per year on most insurance policies have not increased at the same rate as the cost of living index-in fact most haven't increased at all while the missing tooth clauses, waiting periods and other restrictions have increased. * 

Realize that insurance benefits are a contract between you, your employer, and the insurance company. Your dentist has no input into this process.

Any questions or disputes involving insurance should remain between you, the subscriber, and your insurance company. Ultimately the fees involved in dental (or medical) treatments are the patient's responsibility.

Up To Top

Please remember.....Dentists accept insurance as payment as a courtesy to you, our valued patient. 

The limitations of your plan is not a problem to us, it is the fact that NO ONE KNOWS about the limitations is THE PROBLEM! .

Insurance companies unwillingness to provide us with their coverage details only increases patients and dentists suffering from reduced or refused benefits, reduced compensation and administrative headaches, while the profits of insurance company’s increase

In selling its dental plan the insurance carrier does not highlight the exclusions or limitations of your plan.  This leaves their payment on your claim a surprise to the patient and staff! 

Please do not blame us for restrictions your insurance company imposes because of your coverage contract!  It is essential that you understand what is written in your insurance policy manual and not just rely on what you have been told about the policy.  We have experienced many cases where the patients have been terribly misinformed verbally by their insurance carrier or human resource representative.

Up To Top

Basically, dentists accept "assignment of benefits" from their patients as a courtesy.

Many dental offices may not accept assignment of benefits for a number of reasons:

bullet

Tremendous administrative cost to staff.

bullet

Insurance companies are vague, unreliable and do not readily divulge what is and is not covered by their plan causing dental staff to have little hope of accurately figuring your benefit information (insurance companies can even ask for their money back one year after a payment).

bullet

Patients only accepting treatment that is "covered" and refusing necessary treatment that can save their dental health because it is "not covered by my insurance company".

bullet

Insurance companies lack of willingness to provide providers with accurate and detailed information.

bullet

Insurance companies employees being uncooperative and often rude to dental staff members.

bullet

Excess demands for confidential records and reports.

bullet

Long planned delays to defer payment on you claim.

bullet

Insurance companies often do not pay for your services for months. Would you be willing to go 3 months are longer without being paid for what you do? 

 We appreciate you as a highly regarded patient and we are extremely upset when insurance misunderstandings cause us to lose one of our valued patients because insurance refused to be up front with our patients and our office.

Insurance must be considered an adjunct that only assists you with your financial responsibility towards the dental treatment.

Up To Top

WE HOPE YOUR TEETH SERVE YOU MUCH LONGER THAN YOUR DENTAL INSURANCE PLAN!

BY NOT LIMITING YOURSELF TO JUST WHAT YOUR INSURANCE PLAN COVERS YOU RECEIVE ALL THE BENEFITS OF DENTISTRY TO GIVE YOU A GREAT VIEW!

 

           Full view from top of Scottsbluff National Monument!  

Ten Commandments for HMO

HMO Page

HMO Hardball

*Fight "Truth" Decay With Options, Ronald Groba, Beverly Mentzel.  Dental Economics pg 80-83, 179 Feb 2000.
^ The Truth About Dental Insurance, Levin Group, Compendium; Dec 2001/Vol. 22, No 12; pages 1052-1054.

Up To Top

February 06, 2008

      Back   Financial Information   Office Information    Home   Site Map

 
ads

PLEASE NOTE: The information contained herein is intended for educational purposes only.  It is not intended and should not be construed as the delivery of dental/medical care and is not a substitute for personal hands on dental/medical attention, diagnosis or treatment.  Persons requiring diagnosis, treatment, or with specific questions are urged to contact your family dental/health care provider for appropriate care.
This site is privately and personally sponsored, funded and supported by Dr. Peterson.  We have no outside funding.
Confidentiality of data including your identity, is respected  by this Web site. We undertake to honor or exceed the legal requirements of medical/health information privacy that apply in Nebraska.

Copyright ©1998-2017 Family Gentle Dental Care, all rights reserved.