Our staff is happy to assist you in determining whether your insurance company will provide benefits for the cost of your treatment. If benefits are provided, as a courtesy to our patients, we will file the claim within 24 hrs. Unless other arrangements have been made in advance, we do expect payment at the time of service, and we will provide your insurance company with all necessary information for an efficient reimbursement.
Even though the doctors at Northgate Station Comprehensive Dentistry are not employees of insurance companies, you can still be treated and receive benefits at our office. We provide expert care and will work to maximize your benefits for the treatment you want.
Dental insurance is used by many patients to help reduce their dental costs. We file and manage your benefits to help you get the most out of your insurance for your chosen treatment. We will also help you to pay your deductible and copay in pre-tax dollars as much as possible.
Please understand that the insurance you have is a contract between you and your carrier, paid for by your employer. Benefits can vary greatly depending on the plan your employer has chosen. Each insurance company offers a variety of policies with different coverage options. If you are not satisfied with the benefits package you have, contact your Human Resources department and request a change.
Please remember that dental benefits are different from your medical policy. Most dental plans cover 25 to 40% of the cost of common dental procedures. This is after deductibles, co-pays, and exclusions. Dental plans are often defined benefit plans, which is distinct from insurance, as insurance companies may enrol participants and process claims, but they do not assume the risk.
In fact, insurance companies may benefit by denying claims so that they stay under the budget set by your employer. The fees quoted in your plan are usually set by surveying fees from a variety of sources in a geographical area. This can include discount dental clinics and managed care facilities, which can bring down the calculated fee.
However, the truth is that quality care is a great value. The cost of quality dental care is never mentioned in statements about rising medical costs, as this is not a factor.
An alternative way to manage your dental insurance that uses more of your money for your care is a “Direct Reimbursement Plan.” A number of school districts and businesses in this area use this method in which over 90% of the funds involved are put towards your care. This allows you to see any dentist and have all procedures covered. No pre-authorization, pre-existing conditions, or other desirable features are part of these plans. Ask your Human Resources representative about this alternative if you are not satisfied with your current plan.
We have the ability to provide comprehensive, long-lasting care in phases, allowing you to achieve the high value you desire while staying within your budget. There is great variance in the coverage and payment schedule from one policy to the next, and yours will be examined by our experienced staff, who will advise you on how best to proceed. In some instances, patients may be able to choose from multiple options, in which case we offer a free analysis to help you make the best choice for you as an individual.
For example, if you are an adult who wants Invisalign orthodontics, we must ensure that your policy provides adult orthodontic coverage. If not, you must select a change in policy with your Human Resources representative. This can help you save up to $2,000. This is just one example of how we can add value to your experience with us.
Your dental benefits are an important part of managing your health care funds. The procedures available as part of your comprehensive dental care help to improve your health, well-being, and give you a more youthful appearance. He at Northgate Station Dentistry, we look forward to taking care of you and helping you in any way possible.
