Every year, we get so many patients asking us for help in decoding their dental insurance. I feel angry that the insurance companies make it so hard for patients to figure out their benefits, what it means, and how it best suits each patient. Most HR departments are just as confused when it comes to these plans. In reality, Dental Insurance companies would rather that people pay premiums and never use their plans!
Dental insurance is actually a misnomer. Normally, we buy insurance to protect us from damages (car insurance, home insurance, life insurance, health insurance), and hope we don’t have to use it for some calamity. Dental insurance should be renamed ‘dental benefits’, because you are ‘buying at a discount’ a set amount of dollars per year to help offset the cost of dental care. Most dental care is maintenance and check ups, routine services. Occasionally there is a need for dental care when something unexpected happens, but most of the time patients can plan for their dental care. And the majority of dental insurance is use it or loose it. Remember, insurance companies are in the business of making a profit, not health care!
So, what does it all mean? Well, dental insurance is an important part of getting dental care, and it does help pay for necessary and routine care, and does help offset the cost of ‘check ups’. But, the devil is in the details. My colleague has written a great post over at his website. In deference of not wanting to plagerize, I invite you to click on the link below, its a great read.