Many people think that Dental Insurance will actually pay for their dental treatment. Then, reality hits when they file a claim for benefits. If you have ever filed a claim for auto insurance, home insurance, medical insurance, then you know that insurance companies are not generous with paying your bills. Dental insurance is no different.
Oh, they will pay for the little things, like exams, x-rays, and cleanings. But, when it comes to substantial benefits,getting money out of the typical insurance company is “like pulling teeth.” The policies are written to limit benefits, exclude common conditions, and keep your money in their pockets. We speak from forty years experience with dental insurance policies, and the situation is only getting worse. In recent years, we have seen the rise of PPO's and HMO's. These are giant networks of patients whose benefits are pre-defined. The insurance companies collect premiums from you and from your employers. The result is usually a limitation on the benefits available to you, along with a limitation on the dentists that you are allowed to visit, under their plans.
So,what does the average person do? First, find a Dentist who you can trust-- a Dentist who will work with you to get the best treatment and maximize your dental insurance benefits.
What can you do to help? Here are our Top 4 tips:
4. Change from an HMO to PPO, if available at your work.
3. Start treatment early in the year to use your annual benefits. Waiting until December is not a good idea.
2. Be prepared in advance that your benefits will not cover too much, and consider our alternative financing plans.
1. Know your total monthly premium. In many cases, it makes more sense to drop the plan and self-insure.