dental health insurance

No Dental Insurance = No Appointment?

Posted on January 19, 2016. Filed under: Dental Benefits, dental health insurance, Dental Insurance, Uncategorized | Tags: , , , |

Are you avoiding the dentist due to lack of insurance?

Dental-Plan-BenefitsA study from the Institute of Medicine shows that people who do not have dental insurance are 2/3 less likely to have visited a dentist in the last year than those who have dental insurance. This same study shows that most people are aware that their oral health is closely related to their overall health.

So why do so many people avoid going to the dentist?

Not surprisingly, it turns out that cost is the most commonly cited reason for those that do not have dental insurance. But statistics show that the less you go to the dentist, the more it ends up costing you in the long run. It turns out that those being seen less often, by the time they did go in due to pain or infection, the treatment was much more intensive, and costly.

Smile Savers Dentistry in Columbia, Maryland offers several payment options for those in Howard County with and without dental insurance plans. Accepted methods of payment include major credit cards, cash and checks. Low- and no-interest financing options are also available at Smile Savers Dentistry through Care Credit, Springstone Patient Financing and Prosper Healthcare Lending.

If special arrangements are needed for your dental care, please talk to our office manager, Summer Andrade, prior to receiving service. We want to help you get the oral health care and treatment that you need to keep your teeth and gums healthy for your lifetime. Schedule a dentist appointment today in our Columbia dental office at 410-730-6460.

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A Word From Accounts Manager Alyssa Vigus: Why Doesn’t My Dental Insurance Pay for This?

Posted on June 13, 2012. Filed under: dental health insurance | Tags: , , |

Allysa Vigus at Smile Savers Dentistry in Columbia MarylandUSUAL, CUSTOMARY & REASONABLE CHARGES
These dental charges are the maximum amounts that will be covered by the dental insurance plan. It may sound like the standard rate for dental care; but it isn’t. This is misleading for several reasons:

  • UCR charges often don’t reflect what dentists “usually” charge in a given area.
  • Insurance companies can set whatever they want for UCR charges. They are NOT required to match actual fees charged by dentists.
  • Insurance companies are NOT required to say how they set up their UCR rates. Each company has its own formula.

COORDINATION OF DENTAL BENEFITS:
This applies to patients covered by more than one dental plan. Insurance companies typically want to know if you have other coverage; so they can coordinate your benefits. The benefits from both companies should not add up to more than the total charges from your dental visit. Although you may have two or more dental benefit plans, there is no guarantee that either of the two or more plans will pay for your services.

The reality of the answer to the question is that insurance companies do NOT cover all dental expenses! Those who have individual plans or acquire a dental plan through their employer should know and fully comprehend their dental plan. Your employer has made an agreement through your dental insurance company to pay for part of your treatment, but not all of it. If you have any questions about your plan or would like more information on what your plan covers, please contact me at our dental office here in Columbia, MD.

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