Some facts you should know about your Dental Insurance
LIKE life insurance, your dental insurance is a CONFIDENTIAL policy between you and the insurance company.
UNLIKE medical insurance (MSP), dental insurance is NOT centralized or subsidized by the government. There are many different insurance companies.
Although some plans are available privately, most plans are directed through your employer as part of a benefit package for you. Therefore your employer CHOOSES and CUSTOMIZES the plan according to the premiums they are prepared to pay per employee. THESE CHOICES CAN AND OFTEN DO CHANGE IN ORDER TO ACCOMMODATE THE PREMIUM BEING PAID. As the receiver of treatment, you are responsible for payment. We can assist you by completing and submitting the insurance documents.
- WE DO NOT HAVE ACCESS TO THE CONTENTS OF YOUR DENTAL INSURANCE PLAN. We can obtain limited information by submitting pre-treatment authorizations for planned treatment; however we have no way of knowing many of the clauses and limitations within your policy until a claim is rejected.
Prompt payment of all rejected claims is your responsibility.
In order to get the MAXIMUM BENEFIT from your dental insurance, review your policy carefully. If you have any questions, check with your insurance provider prior to any treatment.
For us to submit as accurate a dental claim as possible, we require the following information:
Full legal name of employer (unless coverage is private)
- Name of insurance company
- Group number or account/division number if applicable
- ID or certificate number
- Dependent number
- Deductible amount and whether deductible is calculated per person or as a family
- Percentage paid of basic and major restorative work
- Yearly limits for all work and/or frequency for specific treatments
- Whether limits are based on a fiscal or calendar year
- The fee schedule being used by the insurance company
- We can only obtain the information from you. If your policy booklet does not include all the answers, please contact your insurance carrier. YOU HAVE A RIGHT TO KNOW WHAT YOUR INSURANCE POLICY COVERS.
- PLEASE BE SURE TO ADVISE US OF ANY CHANGES IMMEDIATELY.