Dental Insurance is NOT really Insurance in the classic sense.
If you have dental needs beyond healthy cleanings. your care will require an investment beyond what your insurance covers. Your insurance will assist you very well in the maintenance of your dental health, but it was never designed to restore health when significant disease or breakdown is present in your mouth.
It’s not news that employers have reacted to the rising costs of health care benefits by shopping carefully for the benefits that they are able to offer their employees. Benefits are down, restrictions and exclusions are up. Our patients share their frustration with us every day. Adding to the frustration is the fact that dental benefits are often seen as comparable to other types of insurance. “Insurance”, by definition, is protection against unpredictable or catastrophic loss. Most dental insurance policies specifically exclude extraordinary and significant needs. The procedures best covered by most dental policies are not only predictable, but expected, such as routine exams, x-rays, healthy cleanings, etc. Further, policies that cover some less common services, such as crowns and treatment for gum disease, cover them at a much lower percentage, and with a low dollar limit per year.
We are glad you have the benefit of a dental policy. Your dental benefit plan is an excellent maintenance assistance program that will help you protect the investment you choose to make in your dental health, and we’re happy you will have that assistance!
Another common misrepresentation or misunderstanding is that dental insurance covers what you need. We believe this can be a danger to your health, because it implies that if it isn’t covered, you don’t need it. Insurance companies are in business to make a profit. This is no secret, and it’s not bad or wrong. Their responsibility to their shareholders is to provide the benefits to customers while still creating profit within the investment your employer has chosen to make in a dental policy. You cannot count on an insurance policy to determine what you need; that’s your responsibility. It’s our responsibility to advise you regarding your health. The fact is, unless you have excellent dental health, your needs will require that you make an investment.
We invest in what we value. Home improvement, education, vacations, are all examples of things we pay for, by choice, because we value them. We don’t presume to know where dental health fits in your value system. That’s for you to decide. It’s important for us that you know we think you’re worth the investment, and we’ll work with your benefit plan to see that you receive the maximum benefits in assisting you with the maintenance of your dental health.