Dental insurance is not true
"insurance". It is very different from medical
insurance. First of all, higher cost procedures get less
coverage, not more. Second, since there are so many options
in dental care, most insurance pays an "alternative
benefit", which means that it will only cover the least
expensive option.
Most
insurance plans only provide up to $1000.00 of coverage per calendar
year. This amount hasn't changed since the 1960's! If
you have been ignoring your teeth for years, think of your
"insurance" as a thousand dollars towards your treatment
needs.
If you have a dental
HMO, we do not accept them. Why? They require a
ridiculous amount of administration work. They also provide
very poor benefits. This makes it impossible for us to place
the best restorations possible. It also forces us to spend
as little time with these patients as possible. This is not
how we choose to practice dentistry. If you have an HMO,
contact your benefits administrator and switch to a PPO or
traditional indemnity insurance, if possible. A better
insurance plan may only be a few dollars more a month.
If
you have a dental PPO, you can see any dentist you
want. If your dentist participates in your "plan",
then your co-pays will be lower. If not, your co-pays will
be somewhat higher (usually just a few dollars). If you have
a healthy mouth, the amount of your increased co-pays will be less
then $50 for a year's worth of preventative care. If you
have a mouth that requires full reconstruction, you'll probably
use up all of your benefits anyway. In conclusion, don't let
a PPO (which your employer choose to keep their costs down)
dictate who will provide you with the best dental care
available. While we do participate in some PPO's, most have
reimbursement levels so low that it would force us to use lower quality
materials and procedures. We will never do that.