DENTAL INSURANCE – PART I of II
A BALANCING ACT
There are many reasons why a person might be shopping for dental insurance. For example, perhaps you’ve just retired and lost your dental insurance coverage, or perhaps you changed jobs and your new employer does not offer it.
When looking at dental insurances, one must balance out the cost of the premiums versus what coverage is actually provided. You’ll want to look at the plan benefits and limitations of the policy you are looking at. Is there a deductible? A waiting period? What is the allowed annual maximum? Look at the monthly premium and weigh that out against the benefits you will actually receive for that premium.
DID YOU KNOW?
A common misconception about having dental benefits is that it will cover all treatment, however, this is not the case. Your dental benefits are dictated by the contract your employer negotiated with your dental insurance company. Even in cases where a pre-authorization for treatment was issued, the dental insurance company states on the pre-authorization form that there is no guarantee of coverage for the pre-authorized treatment and reserves the right to deny payment when billed for the treatment.
Questions about dental insurance? Reach out to us at (781) 942-2020 or by e-mail at firstname.lastname@example.org. We also have in-house membership plans for patients with no insurance – visit the Kleer Membership tab of our website to find out more.