If your smile isn't becoming to you, you should be coming to us!

Why doesn't my insurance pay for this?

How Dental Plans Work

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.

The Role of Your Dental Office

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.

Make Your Dental Health the Top Priority

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 health.

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

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.

Insurance Paperwork

Cost Control Measures Used by Dental Benefit Plans

Key terms used to describe the features of a dental plan may include the following:

  • UCR (Usual, Customary, and Reasonable) Charges
    UCR charges are the maximum allowable amounts that will be covered by the plan. Although these terms make it sound like a UCR charge is the standard rate for dental care, it is not. Ther terms "usual," "customary," and "reasonable" are misleading for several reasons:
    • Insurance companies can set whatever amount they want for UCR charges. They may not match current actual fees charged by dentists in a given area.
    • A company's UCR amounts may stay the same for many years. They do not have to keep up with inflation or the costs of dental care.
    • Insurance companies are not required to say how they set their UCR rates. Each company has its own formula.
    If your dental bill is higher than the UCR, it does not mean your dentist has charged too much. It could mean that your insurance company has not updated its UCR charges. It could also mean that the UCR is taken from areas of your state that are different from yours.
  • Annual Maximums
    This is the largest dollar amount a dental plan will pay during the year. Your employer decides the maximum levels of payment in its contract with the insurance company. You are expected to pay copayments and any costs above the annual maximums. Annual maximums are not always updated to keep up with the costs of dental care. If the annual maximum of your plan is too low to meet your needs, ask your employer to look into plans with higher annual maximums.
  • Preferred Providers
    The plan may want you to choose dental care from its network of preferred providers. The term "preferred" means these dentists have a contract with the dental benefit plan to provide discounted dentistry; it does not mean these are the dentists the patient prefers. If you get dental care from a dentist who is not in the network, you may have higher out-of-pocket costs. Learn about your plan's costs when using both in-network and out-of-network dentists.
  • Pre-Existing Conditions
    A dental plan may not cover conditions that existed before you enrolled in the plan. For example, with some plans, benefits will not be paid for replacing a tooth that was missing before the effective date of coverage. Even though your plan may not cover certain conditions, you may still need treatment to keep your mouth healthy.
  • Coordination of Benefits (COB) or Nonduplication of Benefits
    These terms apply to patients covered by more than one dental plan. The benefit payments from all insurers should not add up to more than the total charges. Even though you may have two or more dental benefit plans, there is no guarantee that all of the plans will pay for your services. Sometimes, none of the plans will pay for the services that you need. Each insurance company handles COB in its own way. Please check your plan for details.
  • Plan Frequency Limitations
    A dental plan may limit the number of times it will pay for a certain treatment. But some patients may need a treatment more often to maintain good oral health. For example, a plan might pay for teeth cleaning twice a year even thought the patient needs a cleaning four times a year. Make treatment decisions based on what is best for your health, not just what is covered by your plan.
  • Not Dentally Necessary
    Many dental plans state that only procedures that are medically or dentally necessary will be covered. If the claim is denied, it does not mean that the services were not necessary. Treatment decisions should be made by you and your dentist.
    If your plan rejects a claim because a service was "not dentally necessary," you can appeal. Work with your benefits manager and the plan's customer service department to appeal the decision in writing.
  • Other Cost-Control Measures
    • Bundling - Claims bundling is when two different dental procedures are combined by the insurance company into one procedure. This may reduce your benefit.
    • Downcoding is when a dental plan changes the procedure code to a less complex or lower cost procedure than was reported by the dental office. The dental office must legally report what procedures were actually performed.
    • Least Expensive Alternative Treatment (LEAT) - Your plan may have a LEAT clause. That means that if there is more than one way to treat a condition, the plan will pay only for the least expensive treatment. However, the least expensive option is not always the best. For example, your dentist may recommend an implant for you, but the plan may only cover less costly dentures.

You should talk with your dentist about the best treatment option for you.