how does dental insurance work?
Dental Insurance is a contract between your employer and the dental insurance company. The benefits that you will receive are based on the terms of the contract that were negotiated between your employer and the dental insurance company – not your dental office.
The goal of most dental insurance policies is to provide only basic care for specific dental services according to their own fee schedule. This fee is usually lower than the fee schedule in most dental offices which means there will be a remaining balance that the patient is responsible for. Regardless of the coverage you receive from your dental insurance company, at Centennial Smiles, we always provide a comprehensive plan for a healthy mouth. We base our treatment plans on what you need, not on what your dental plan covers.
Another fact that most patients do not realize is that each dental insurance plan has a maximum dollar amount for each year. This means that once the maximum dollar amount is reached, additional services will not be covered by your dental insurance company. Based on these restraints, your health may be compromised. We recognize these constraints and can offer financing options to make your dental treatment more affordable.
Another service we provide is billing directly to your insurance company. In order to make the direct billing process more effective, please provide us with the following information at your next visit.
- What is your yearly maximum?
- When does your coverage renew?
- What percentage does your plan cover for basic dental treatment (including dental exams, x-rays, fillings, extractions)
- What percentage does your plan cover for major dental treatment (crowns, bridges, dentures)
- The maximum number of scaling units used in a benefit period.
With this information, we can make your dental insurance work for you!