Dental Insurance or Dental Benefit? Part 1

Posted: March 23, 2011 in Dentist
Tags: , , ,

“I only want to have done what my dental insurance will cover”

“If my dental insurance doesn’t cover it, I really don’t need it”

“My dental insurance covers 100%”

These are some of the comments that we hear from patients on a daily basis here at Aristo Dental.  Our Practice Administrator, Sharan Tash has had 15 years of experience dealing with insurance companies, patient benefits, and successfully explaining the two to the patients.  Lack of education is the most important part of the miscommunication between employers, the employee, the insurance benefits and the dental office.  We hope to answer some of the most commonly misunderstood facts in regard to dental benefits in a series of posts.   (I use the term dental benefits instead of dental insurance because most people think of dental insurance just like medical insurance – it is unlimited.  The term benefit changes their perspective.)

1.  Dental benefits are provided and chosen by the employer.  An employer will look at many policies from many companies, including Met Life, Guardian, Delta Delta and United Health Care.  Each of these insurance companies have individual policies for each employer, therefore Met Life’s payable benefits for Company A will be different than Met Life’s payable benefits for Company B.  The employer has several choices in benefits to provide to their employees that will save money.

  • “Cleanings” once every 6 months instead of twice per year any time of year will save the employer money
  • Paying for the placement of  silver fillings on back teeth instead of white fillings will save the employer money
  • Paying for base metal crowns on back teeth instead of high-noble metal will save the employer money
  • Having a 10 year replacement of crowns instead of a 5 year replacement will save the employer money
  • No covering dental implants will save the employer money
  • Incorporating a missing tooth clause will save the employer money
  • Not paying for oral cancer screening will save the employer money
  • Not paying for adult fluoride treatment will save the employer money

At Aristo Dental we diagnose according to what is best for the patient’s health – NOT what is best for the insurance benefits.  We also have all patients sign a treatment consent showing their approximate insurance benefit BEFORE work is done so we can explain those benefits and their financial investment in their work.

We look forward to presenting more educational material on your dental benefits in future posts.

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