About Dental Benefits
Planning for dental expenses has become part of people's budgeting and planning. Many people take advantage of dental benefits provided by their employer or as an addition to their health insurance. The employer selects one of several levels of coverage for various procedures for its employees and their dependants. The level of reimbursement varies from plan to plan and from insurer to insurer.
Dental providers can be divided into two categories:
This provider does not have an alliance with an insurance company. This type of practice does not accept payments from the insurance company directly. Rather, patients cover their own expenses for treatment and then are reimbursed directly by the insurance carrier. Most of the time, the insurance company will reimburse patients a certain percentage of its pre-determined fee for any procedure.
In general, an independent practice has a philosophy of consistently treating patients with the most predictable treatment. Treatment is not recommended simply based on insurance coverage. The best long-term solution for any given condition is always the first choice of treatment.
We choose to be a fee-for-service practice because we feel it is the only way we can provide high quality service and long-term value to our patients. We believe the insurance company should not be given the right to impose itself on decisions made between doctors and patients. We do, however, work directly with our patients to maximize their designated dental benefits and facilitate communication with the insurance company.
Insurance Based Providers
Some dental providers elect to work directly with an insurance company's plan in exchange for a flow of patients. They must have a fee schedule for designated procedures set by the insurance company. These dentists are are paid directly by the insurance company.