First of all Dental insurance is not named properly. The idea of Dental Insurance in Grove City, Ohio is great. As a dentist in Grove City, Ohio who also serves quite a bit of sedation dentistry Columbus Ohio needs, I get to see the good and the bad experiences for my patients who have dental insurance in Grove City, Ohio. Yet, once you try to use your dental insurance in Grove City, Ohio you soon realize it isn’t really dental insurance in Grove City, Ohio (a payment to cover the cost of a loss) at all. It is actually a more like a dental insurance in Grove City, Ohio coupon. In other words a money benefit, typically provided by an employer, to help their employees pay for what they define as routine dental treatment and not what treatments may truly be needed. Now this is not always the case, but it is increasingly becoming more of a coupon instead of a benefit.
The employer buys the dental insurance in Grove City, Ohio plan based on the amount of the benefit and how much the premium costs per month. Most plans are designed to only cover a portion of the total cost. And the spiral downward of paying for less and less does not seem to have any end in sight.
Even if your dental insurance in Grove City, Ohio says that it will cover some procedures completely, this is seldom the case. It seems dental insurance in Grove City, Ohio too often is more like the old saying ‘the good Lord giveth and the fine print taketh away’.
Well, maybe that’s not the saying, but it very applicable when it comes to dental insurance in Grove City, Ohio.
The complete coverage they refer to is usually just what the carrier allows as total payment toward a procedure, not what any dentist may actually charge. And as you can imagine the carrier only wants to pay for the least and cheapest care for the patient and the dentist has a goal of providing the top quality longest lasting treatment. In other words, the exact opposite.
So, the amount that will be paid is based on what your employer has negotiated as a benefit for you; tied more to the premium being paid to the insurance carrier rather than the fee for the service you need. This is simple math. The less your employer can pay then the less coverage benefit for you and it all translates into you having to pay more out of pocket. Because of this, most patients find that there will be an amount that insurance doesn’t cover, even when they say they are paying 100%. That amount is your responsibility.
Dental insurance in Grove City, Ohio really should be described in terms of limitations and exclusions verses dental insurance in Grove City, Ohio benefits.
In other words, when you are considering using your dental insurance in Grove City, Ohio you really should think of it in terms of limited hep instead of dental insurance coverage. But if you are thinking that you have 100% dental insurance coverage then you really need to read the fine print because otherwise your dental insurance in Grove City, Ohio is only going to pay 100% of the limited coverage that they determine that you need and not what your dentists’ x-rays and personal diagnosis determines that you need.
As a benefit for our patients we provide a no charge, insurance benefits and limitations check. If you are looking for a dentist then this is a great way to discover exactly what is covered and what is not covered when it comes to your dental insurance. Call 614-808-1700 and ask for Adina. Adina is our insurance specialist and she would love to talk with you to help you better understand your dental insurance. Call 614-808-1700 today.