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"My Insurance Will Take Care of It..." -think so?Many people have dental insurance through their employer. Many people do not take the time to read their benefits book to see just what their insurance will pay for. I can't tell you how many times a person has broken a tooth and needed a crown to restore it, only to find out that their dental insurance offered to them by their employer is the "bare bones" type that pays for cleanings and not much else. Don't get me wrong, I'll take something over nothing, but insurance is not insurance is not insurance. There are many differences amongst all the plans out there. Even if one employer uses this same dental insurance company as a different employer, the plans, and the benefits they have, are many times different. How is a person to know what insurance he or she has, and just what it will pay for? Trojan. I'm not talking about the horse. I'm certainly not talking about, well, you know. I'm talking about the name of a computer program certain dental practices have installed that will tell you exactly just what a specific persons' insurance will cover. It will list exclusions to coverage. It will tell how often a tooth can get a new crown. Is orthodontics in your family's future? It will tell the maximum it will pay per person. Knowing a patients yearly maximum for insurance, which it tells us, is helpful in planning treatment to maximize coverage. It is a really great tool we use in my office to be able to tell patients exactly how much they will owe for every procedure done. Every month the database gets updated with either new employers and/or new plans. If an employer is not listed, all we do is make a phone call and very quickly we are faxed the information. That information is then placed in next months computer update so it is in our system. Since we have installed the program, we have been much more accurate in telling people what they will owe at the end of treatment. One thing I like about the capabilities we know have with this program. People who are not patients of our practice, have heard that we have the program and have called to ask us if we would find out and explain to them the type of coverage they have. In the interest of promoting better dental healthcare for everyone, we have gladly helped out all those folks that called, and will continue to do so. If you recently got new dental insurance or you just never really looked into just what your plan pays for, ask your dental office staff if they can "trojanize" you and find out all you need (or wanted) to know about your insurance.
Newtown Dental Care 7 Cambridge Lane Newtown PA 18940 |
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