Dental Insurance is rapidly playing a larger role in helping people obtain dental treatment. Since we strongly feel our patients deserve the best possible dental care we can provide and, in an effort to maintain the high quality of care, we would like to share some facts about dental insurance with you.

Fact #1: You may receive a letter from your insurance company stating that dental fees are higher than usual and customary. An insurance company surveys a geographic area, finds the average fee, and then takes 70-90% off that fee and considers it customary. Included in the fee survey are discount clinics, HMO’s, PPO’s and the fee charged by general dentists, which will bring down the average. Your treatment is done by a highly skilled specialist.

Fact #2: Dental insurance is NOT meant to be a Pay-All. It is only meant to be an Aid.

Fact #3: Many plans tell the insured that they’ll be covered “up to 80% or up to 100%” but do not clearly specify plan fee schedule allowance, annual maximum, or limitations.

We’ve found that most plans cover about 35% to 65% of major services based on the plan’s pre-established maximum fee allowance which varies from carrier to carrier.

Fact #4: Most insurance companies tell their insured that “fees are above the usual and customary fees” rather than saying “our benefits are low.”

The amount of your dental insurance plan is determined by how much your employer paid for the plan. The less paid for insurance, the less benefit received. You will get back only what was paid by your employer and the profit of the insurance company.

Fact #5: Many routine, widely recognized, and accepted dental procedures are not covered by dental insurance carriers.

Please do not hesitate in asking us questions about our policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have questions regarding our services and/or fees. We will do all we can to assure you of maximum benefits balanced with the highest level of professional treatment.

Should you have any questions regarding your insurance, you may want to contact your company directly regarding the specifics and details of the plan it is providing on your behalf.

Participating Insurances

• Anthem BlueCross BlueShield PPO Plans
• BlueCross BlueShield FEP Plans
• Delta Dental
• Cigna DPPO
• GEHA
• Principal

* We will submit claims to any PPO plans. Therefore it would depend on your Out-of-Network benefits as to what would be covered.