Taking Advantage of Your Insurance

Let's face it, whether you like it or not you are paying a decent amount of your money to have dental insurance. It's a great thing to have if things go wrong but if you aren't using it, it is most likely a significant waste of money! Most insurance premiums (on an annual basis) are more than you would pay out of pocket for the 2 cleanings you get for "free" per year. If you aren't following through with treatment that extra money is essentially wasted.

The way insurance works is that you pay a premium on a monthly or annual basis. For this monthly payment they give you a piggy bank loaded with an annual maximum that you can spend at your dentists office. These annual maximums range by individual policy, typically in the ball park of $500-2500 per year with most plans falling in the $750-1500 range. At the end of every year the insurance takes the piggy bank back (with any remaining money) and gives you a new one... If you don't use that money by the end of the year you loose it! And, they keep the excess money that you paid into the system, in the form of premiums, that they didn't pay out. This is how they make money! They bank on the fact that most patients don't follow through with treatment or even go to the dentist at all! The worst part about it is that they also don't care if you have some kind of catastrophic problem in the future. If you don't follow through with treatment that has been recommended by your dental provider and the problem progresses to something that requires more than your annual maximum to fix they leave you to pay the difference. It's frustrating!

As a dentist my job is to identify problems and anticipate what they might progress into. It is my goal to intercept the problem before it gets to the point where it becomes painful or requires difficult expensive treatment to fix. For instance, one of the most costly mistakes we see