Many patients have questions regarding their dental insurance. We are happy to try to help sort out some of that confusion. However, with the different types of dental insurance plans and benefits offered, your Human Resources or an Employee Benefits Coordinator where you work may be the one to help you learn about your specific coverage.
You are always welcome at Your Orchid Dental. We accept patients with all traditional insurance plans and are on the list for Delta Dental Premier dentists. We also provide dental care for patients without dental insurance and offer low or no interest financing through Care Credit.
Here are some of the insurances that are accepted in our office:
Assurant Emplyee Benefits
Blue Cross/ Blue Shield
Dental Insurance isn’t really insurance (a payment to cover the cost of a loss) at all. It is actually a money benefit typically provided by an employer to help their employees pay for routine dental treatment. It is a contract between your employer and a dental insurance company. The benefits that you will receive are based on the terms of the contract that were negotiated between your employer and the dental insurance company and not your dental office.
The goal of most dental insurance policies is to provide only basic care for specific dental services. It has benefited many patients over the years. However, those benefits have not kept up with the cost of dental care over the last 30 years and the benefits provided may not always align with the treatment you need to achieve high quality oral health.
Some plans are better than others. Currently there are three main types:
Traditional / Indemnity Dental Insurance – These were the original dental benefits plans and are the best type if given a choice. Patients with these plans can choose their own dentist (most freedom of choice).
PPO – Preferred Provider Organization – These provide dentistry through contracted dentists who agree to accept lower fees. Patients can choose their own dentist but may pay more for care from a non-preferred provider.
HMO – Health Maintenance Organization – Minimum dentistry if provided through contracted dentists who agree to small monthly capitation payments for each employee/patient regardless if services are performed or not. Patients can go to any dentist but are restricted to a list of designated providers of they want to use their dental benefits.
Dental health and treatment is important. All patients can go to any dentist whether or not they have dental insurance. No insurance plan covers all dental expenses. Some companies pay fixed allowances for certain procedures and others pay a percentage of the charge. It is the patient’s responsibility to pay any deductible amount, co-insurance, or any other balance not paid for by their insurance company.
With sweeping changes on the horizon due to the new health care legislation, we could be faced with even more changes to how dental insurance works. Remember that we will always work with you to help you navigate the confusions and provide you with the quality dental care you deserve.
Please contact our office to find out what plan you have and how your benefits work.