insurance plan is a contract between your employer and the insurance company. All patients are financially responsible for
their accounts. The insurance company is responsible to the patient. Specific questions should be directed to your insurance
carrier or your employer.
#2 No insurance plan covers all dental expenses. Some companies pay fixed allowances for
certain procedures and others pay a percentage of the charge. It is the patient's responsibility to pay any deductible amount,
co-insurance, or any other balance not paid for by their insurance company.
#3 Many routine dental services are not covered by insurance companies.
#4 The benefits received by an insurance company are determined by how much the employer
pays for the plan. The less expensive the plan, the fewer the benefits.
#5 Insurance companies are in business to make money. They make more by paying fewer benefits.
They also profit more by waiting to pay claims and by making dentists send in pre-estimates on the more expensive procedures.
Delays in treatment results in less treatment.
#6 It has been the experience of many dentists that sometimes insurance companies tell their
clients that certain dental fees are 'above the usual and customary' or UCR, rather than tell them that the insurance benefits
are too low. We know that some insurance companies do not upgrade fee schedules regularly, even with the cost of living index.
#7 In 1971, dental insurance benefits for a year were approximately $1,000. Although insurance
plan premiums have greatly increased over the years, many plans still have the same maximum annual benefit. Adjusting for
inflation, insurance maximums should be at least $5,000.
#8 Dentists who sign up to participate in 'managed' health care' plans agree to accept a
significant decrease in their fees for the services they provide. This is why, we choose not to participate in 'managed health
#9 With the increase of 'managed health care' plans, the patients are losing their right
to choose their own dentist. They are restricted to a list of dentists who agree to accept a lower fee. Also, these plans
cause the patient to lose more and more of their freedoms and coverage of quality denstistry, and the dentists receive less compensation
for their services.