Dental benefit plans are meant to help assist you in paying your bill, it has never meant to pay all of your bill as medical benefits do.
In our continued commitment to provide the highest quality of dental care available to all our patients and to have those services comfortable and affordable, we are pleased to offer you these options for payment:
At High Point Dentistry we believe that you deserve the best care. We will present you a number of different treatment options tailored to your personal situation. Each year we provide outstanding care to hundreds of patients. Some have dental benefits but most do not. If you have dental benefits, here are some important things you should know:
- Not all benefit plans are the same. There may be different plans available at the same company.
- Your dental benefits are based upon a contract between you and an insurance company, or your employer and an insurance company. The dentist has nothing to do with the benefits you may have.
- If you are not familiar with your insurance coverage we ask that you discuss your policy with your employer or insurance company before charges are incurred.
- Your benefits can vary depending on how much coverage your employer wants to purchase. Some plans cover all services while others only cover basics with no coverage for restorative or major treatment.
- Insurance companies may refer to "usual and customary fees". Most times this fee is about 75% of what the real cost is so you may receive a letter stating that fees are above "usual and customary" when they are not. This is a way for insurance to look like you have better coverage but really having the patient pay more of their bill.
- "Usual and customary fee" is an arbitrary cost for each service that varies from insurance company to insurance company. Many times insurance companies will say they will cover a service at a certain percentage. But be careful because it will be that percentage of their "usual and customary fee" rather than the dentists fee, so count on insurance covering about 50-60% of a fee when they say 80%. We recommend submitting a pre-treatment estimate in writing to the insurance company if you are in doubt about your coverage before treatment begins if you are in question about your coverage.
- There are common and newer types of services that are not covered by your insurance.
- At times, in order to have coverage for a service you may have to be referred to a specialist even though your dentist can do the procedure.
- Dental benefits differ greatly from medical benefits. In 1959, most dental benefit plans had a yearly maximum cap of $1000. You will be surprised to know today that the average dental benefit plan has a yearly maximum cap of $1000. There has been no significant increase in the yearly maximum cap in over 50 years. If the yearly maximum benefit had kept up with inflation in the last 50 years, that $1000 maximum should be $12,500 today. However, there have been significant increases in your premiums.
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N56 W14044 Silver Spring Dr Menomonee Falls, WI 53051