2017 Tips On Dental Insurance

dental-insuranceHappy New Year!  We hope you had a wonderful holiday season.  THANK YOU TO ALL THOSE WHO CAME TO OUR HOLIDAY EVENTS AND SUPPORTED OUR CHARITIES – The Salvation Army’s Angel tree and A Spring of Hope!

Going into the New Year, we understand your insurance may be changing or you may have dropped it altogether. I have noticed, over the years, that dental insurance is covering less and have excluded many procedures. Many companies no longer offer dental insurance to their employees. When we try to obtain dental insurance on our own, it is difficult to make sense of what we are trying to purchase.

If you still have dental insurance through your workplace, have your dentist call the insurance company to get a full breakdown of the coverage. There are PPO insurances and HMO insurances. In a nutshell, HMO insurances dictate the office you need to go to. You are usually assigned to a specific dental office. PPO insurances will allow you to go to a dentist of your choice. Most dentists accept PPO insurances. Once your dentist has a breakdown of your coverages, he/ she will be able to tell you what services are covered, how much you are covered for in a year period; how much your deductible is and your co-pays depending on the type of services that are performed.

If you are looking for insurance on your own, there are many options available. Be sure to look out for waiting periods and any exclusions for services you may need. Waiting periods are common and they are often 6 months to a year before you can use the insurance. Be sure to calculate the total cost of your yearly premium and compare it to the amount it covers you for the year. Often, the cost of your premiums come close to the amount the insurance will cover for the year.

We believe that quality dental care should be affordable and accessible to everyone. Over the years, we have noticed that those patients without insurance tend to not keep up with their regular appointments.  We then only see them back when they are having problems.  With companies dropping dental insurance, and with premiums not worth purchasing yourself, choosing to forgo your dental care may lead to bigger problems down the road. This had stimulated me to create a program for those patients without dental insurance – Premier Smile Center Membership Club.

With this membership, you are able to maintain your oral hygiene and we are able to catch any problems before they get out of hand, and fix them at a lower cost.  This membership is like an insurance plan BUT your monthly premiums actually go toward the services at a discounted rate. With regular insurance there is still a copay with your premium.  The plans are all geared toward maintenance, with a small portion that actually helps give you a discount on treatment.

Please call our office at 954-566-7479 to learn more about our program. If you are interested in signing up, click on the link to get started https://premier-smile-center.illumitrac.com/.

We are committed to finding innovative ways that will help us provide all our patients with the highest-quality care in the most affordable way.