The Misleading Truth About Dental Insurance...
There’s a dark secret that the dental insurance companies don’t want you to know. They have figured out how to wring every dollar out of your premium, and still skimp on the benefits you are receiving. Nearly 1/3 of employees in the U.S. won’t use ANY of their dental benefits this year, let alone maximize them!
Don’t let your wasted benefits give “the man” a bigger bonus. Healthcare insurance has no feelings, does not experience pain, and does not care whether it is “used up” or not. In my office, insurance does not dictate the care we recommend for you, but we are happy to maximize your benefits. Use your benefits to keep your smile healthy.
The Secret Is Out
Dental insurance benefits are being cut each year at your expense! The largest dental insurance company in the U.S. posted $19.5 billion in revenue in 2014 alone. This “non-for-profit” organization paid 5 of its top executives more than $3 million each in pay that year. What’s even more alarming is WHY they received so much pay? Why did they receive bonuses of up to $789,500 per executive? TO CURB YOUR BENEFITS! Most dental carriers are silently slashing benefits of hard-working patients like you, to bonus out their highly paid “big dogs.”
How I Can Help
Regardless of what your plan covers, I’m here to help. We’ve worked with every insurance company under the sun, my front office team has countless hours of training to maximize our benefits. You don’t always have alot of choices when it comes to the plans your employer or group offers, so we’ll make the best of what you do have. Although I’d never compromise your options due to insurance limitations, I am always insurance friendly so you’ll get more than your paid for! (If you or a loved one need an alternative to dental insurance, or if you’re no longer insured, I offer time-and-money saving membership options to Suit Your Smile!)
Stop in and mention this website and I’ll get you a complimentary benefits check today!
How You Can Win
Every December we receive extra requests from patients wanting to complete their treatment by the end of the year. Many patients are unable to have their treatment completed because they simply wait too long or we don’t have enough TIME! Don’t let this happen to you. Don’t let your benefits get wasted. Preventative care and disease-stopping services will allow you to maximize your benefits, and minimize your out of pocket costs. Coupled with flexible financing options, I’ve saved my patients thousands over the years. I’m committed to doing the same for you!
Tyler Williams DDS
Straight Teeth Talk: Dental insurance: What?
Originally published October 4, 2011
Forty years ago, dental insurance benefits averaged $1,000, which was the equivalent of around $8,000 today.
Here is the kicker; the average insurance plan is still close to $1,000. The purpose of this article is to explain the facts and fiction of what everyone calls “dental insurance.”
Fiction: You have a major medical problem, which includes surgery and hospitalization. You expect your insurance to take care of the major expenses after the deductible, and it does so. You would think dental insurance works the same way, but it doesn’t. Just calling it insurance is complete and total fiction.
Fact: People who think they have dental insurance really only have limited and restricted benefits that are controlled by an insurance company. A dental benefit is more like a coupon. It is only worth what the insurance company says its worth. It has nothing to do with what the dentist charges.
Fiction: To believe these two statements are true “My dental insurance will pay for it,” or “My dental insurance will pay 80 percent” is, in fact, fiction.
Fact: $1,000 was a lot of money when I graduated from dental school in 1972. That year, we bought a brand new Buick for $3,000. My crown fees were $250 and the insurance company paid well. Basically, a patient could get two or three crowns a year on old broken down, filled teeth and in a few years, their mouth was fixed. Plus, the patient could get two cleanings a year and not even max out their insurance. It was a great deal for patients and dentists. If benefits kept up with inflation and raised the benefit ceiling each and every year with today’s benefit close to $8,000, people would still have a good deal. As it is, today’s crown price for one tooth will basically wipe out a year’s benefit. Not only that, the insurance company (yep, the one with the skyscrapers in New York, Chicago and San Francisco) often goes out of its way to deny your benefits.
Fact: Today’s dentistry is nothing like it was 40 years ago. If patients had problems, the choices were to pull, fill or crown. Today’s dentistry serves the patients with some of the most advanced, pain-free techniques in medicine. These procedures are not even covered by the dental benefit contract, or the procedures cost more than the paltry yearly benefit.
Back then, there was no such thing as Managed Care. Today’s insurance companies want you to choose a dentist based on cost and assume that all doctors are equally talented, knowledgeable, caring, ethical, available and personable – and that just isn’t true. The dentist making the deal with the insurance company may take a cut up to 30 to 50 percent. In order for them to stay in business, they have to see more people, do more procedures and cut costs in some manner. And even though it is a managed care system, dental benefits still acts as a coupon and not insurance.
Fiction: The dentist and dental team should understand a person’s dental benefit, what it will cover, pay, etc.
Fact: The contract is between the employer, employee and insurance company. The dentist has no role to play whatsoever; they are simply caught in the middle. Dentists, as a whole, are great people who love to help others. They try very hard to accommodate by hiring extra staff just to handle the paperwork, phone calls, etc., that insurance companies require.
Most important: Never let an impersonal insurance company dictate your dental care. They couldn’t care less about your health, comfort, peace of mind or appearance. Be happy you have that coupon for some dollars off, but never expect them to rebuild your burned-down house.
By Mac Lee, DMD
Oh, and don’t take my word for it, see what others have to say about how much we’ve helped them:
“A truly amazing dentist! He saved me over $1,000 by looking out for me and not his pocketbook. Instead of putting a crown on a dead dark tooth he bleached it. I can’t wait to see the rest of the results because I know they will be equally amazing.” -Dave K., West Jordan, UT
“I was so impressed by everyone at your office. The most amazing dental experience I’ve ever had. Nice to finally find a dental office in touch with 21st Century techniques. The zero-pain numbing technique used by Dr. Tyler was simply out of this world. I mean, totally ZERO pain! Never before has a visit to a dentist been so enjoyable! I’m actually looking forward to my next visit.” — Richard B., South Jordan, UT
“Couldn’t be happier with my experience with Dr. Williams and everybody at Pinecrest Dental.” -Jonathan B., South Jordan, UT