No Dental Insurance Pays 100% of All Procedures
Dental insurance is meant to be an aid in receiving dental care. Many patients think their insurance will cover 90-100% of all dental fees. This is not true! Unfortunately, most plans only pay between 50-80% of the average total fee. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.

Deductibles and Co-payments Must Be Considered
When estimating dental benefits; deductibles and percentages must be considered. Your deductible—which is usually $50—will be deducted from the total amount and then the percentage for each procedure will be determined by the information we have received from your insurance company. Please keep in mind that we do not work for the insurance companies, nor do we wish to. We work 100% for you. We want to help you maximize your benefits, but we do not want to be controlled by insurance companies or the benefit packages they offer.

Benefits Are Not Determined By Our Office
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary, or reasonable fee (UCR) used by the insurance company. This statement gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for certain service. This can be misleading and inaccurate. Insurance companies set their own schedules and each company uses a different set of fees they consider allowable.