Dental Insurance is rapidly playing a larger and larger role in helping people obtain dental treatment. Since we strongly feel our patients deserve the best possible dental care we can provide, and in an effort to maintain the high quality of care, we would like to share some facts about dental insurance with you.
Many plans tell their insured that they will be covered "up to 80% or up to 100%." In spite of what you are told, we have found most plans cover about 40% to 50% of an average fee. Some plans pay more, some less. The amount your plan pays is determined by how much your employer paid for the plan. The less paid for the insurance, the less you will receive.
Dental insurance is NOT meant to be a PAY-ALL; It is only meant to be an aid.
It has been the experience of many dentists that some insurance companies tell their customers “fees are above the usual and customary fees” rather than saying to them that “our benefits are low.” Remember you get back only what your employer puts in less the profits of the insurance company.
Many routine & complex care cases are NOT covered by insurance carriers. Please do not hesitate to ask us any questions and our office policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have any questions regarding our services and/or fees.
We will fill out and file insurance forms at no charge. We will do all we can to assure you of maximum benefits. If you have any questions regarding your insurance, we ask that you contact your company regarding specifics and details of the plan it is conducting in your behalf.
U.C.R. really means usual, customary and "mediocre" coverage.