Almost all dental plans are a contract between your employer and an insurance company. Your employer and the insurer agree on the amount your plan pays and what procedures are covered.
Often, you may have a dental care need that is not covered by your plan. Employers generally choose to cover some, but not all, of employees' dental costs. If you are not satisfied with the coverage provided by your insurance, let your employer know.
Lumbertown Dental Wellness' main goal is to help you have excelent oral health and general health. We will file claims with your dental plan as a service to you. The part of the bill not covered by insurance is your responsibility.
Although you may be tempted to make decisions about your dental care based on what insurance will pay, remember that your health is the most important thing.
Warning Limiting your dental treatment to the benefits of your dental plan may be hazardous to your
Dental insurance is one part of your healthy mouth plan. If you find out what your dental plan covers and plan accordingly, it can help you have a healthy mouth. We will help you take care of your teeth so they will last a lifetime!
Direct reimbursement is another means of receiving dental benefits. It is a more beneficial plan recommended by the American Dental Association (ADA) and the Michigan Dental Assosiation (MDA). With this type of benefit, the insurance companies are not keeping up to 1/3 of the money that an employer spends. An employer sets up a plan that directly reimburses you or the dentist. It can be more cost effective, cheaper to operate, and provide benefits that a typical dental insurance policy does not cover. If you are unhappy with your dental plan, you should talk to your HR department who can request information from Dr. Donley.
Key terms used to describe the features of a dental plan may include the following: