Dental Insurance-Affordable Dental CareDental Insurance-Individual Dental Insurance and Family Dental Care Dental Insurance-Affordable Dental Health Care
Dental Insurance-Have a Dental Problem?
Dental Insurance-Save up to 80% on Dental Services
Dental Insurance-Need a Dental Procedure?
Dental Insurance-Individual Dental Insurance and Family Dental Insurance Plans
 
Dental Insurance-Discount Dental Plan
AmeriPlan USAŽ Dental Plans Home
SIGN-UP NOW!
Providers/Fees
Dental Plan
Vision Plan
Prescription Plan
Chiropractic Plan
FAQ's
Contact Us
Resources
 
 

NEW MEMBERSHIPS

call Toll-Free

888-242-3181

 
Videos©
 
Video: Introduction to AmeriPlanUSA® Dental Plan©
Click Here for Dial-up
Click Here for Cable,DSL,LAN
 
Video: American Medical Review© on AmeriPlan® Dental Plan©
Click Here for Dial-up
Click Here for Cable,DSL,LAN
 

Health Insurance

 

  

Facts You Should Know About Dental Insurance

http://www.goodteeth.com/sun.htm Joel Goodman, DDS

As an optimum care dental practice, we strongly believe our patients deserve the best possible services we can provide. In an effort to maintain a high quality of care, we would like to share some facts abut dental insurance with you.

FACT #1: Your dental insurance is based upon a contract made between your employer and an insurance company. Should questions arise regarding your dental insurance benefits, it is best for you to contact your employer or insurance company directly.

FACT #2: Dental insurance benefits differ greatly from general health insurance benefits. In 1971, your dental insurance benefits were approximately $1000 per year. Some 35 years later, you will note that your benefits are still $1000 per year. Figuring a 6% rate of inflation per year, you should be receiving over $5000 per year in dental benefits. Your premiums have increased, but your benefits have not. Therefore, dental insurance is never a pay-all; it is only an aid.

FACT #3: You may receive notification from your insurance company stating that dental fees are "higher than usual and customary". An insurance company surveys a geographic area, calculates an average fee, takes 80% of that fee and considers it customary. Included in this survey are discount dental clinics and managed care facilities which bring down the average. Any doctor in a high quality private practice will have fees that insurance companies define as higher than "usual and customary".

FACT #4: Many plans tell their participants that they will be covered "up to 80% or up to 100%" but do not clearly specify plan schedule allowance, annual maximum or limitations. It is more realistic to expect dental insurance to cover 35% to 65% of major services. Remember, the amount a plan pays is determined by how much the employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.

FACT #5: Many routine dental services are NOT covered by insurance companies.

 

 

    
   
   
Dental Insurance-Top of My Dental Plan home page  

web page counter