Category Archives: Dental Insurance

More Frequently Asked Questions

Q.  Are dentists affiliated with insurance companies? No, you are their customer. Your dentist will request the estimated coverage on your policy (the % your insurance covers of a particular treatment) and calculate your out of pocket cost accordingly. Estimates are not a guarantee of payment by your insurance. Dentists cannot accurately know in advance what your insurance company will actually cover or not, until after the insurance company receives the billing information. So as the patient, you are responsible for … Continue reading

Dental Insurance: How does it work and who can you trust?

Many people mistakenly believe when they go to their dentist who is contracted (or in network) with an insurance company, (say Delta Dental), the dentist represents the insurance company. Not True. Your dentist receives a fee schedule, the insurance company’s fee schedule, at the time they contract. This gives the dentist a right to be advertised on the insurance company’s list of in network providers. Being “In Network” dictates the maximum fee the dentist may charge for treatment procedures allowed … Continue reading