Keystone Dental Excellence

Description

Dental insurance is meant to be an aid to help restore your mouth to sound dental health. It has been the experience of many dentists that patients have gotten the impression their plan will pay up to 80%, even 100% of their dental fees. In spite of what you are told, we've found many plans cover about 40% to 50% of an average fee. For the same procedure, 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 insurance, the less you will receive (in simple terms, did they purchase an economy car, or a luxury car?).

It has been the experience of many dentists that sometimes insurance companies tell their clients that certain dental fees are "above the usual and customary" or UCR, rather than tell them that the insurance benefits are too low. We know that some insurance companies do not upgrade fee schedules, even with the cost of living index. Dental insurance in the 1960's paid out an average of $1,000 of dental benefits per year. Today, more than 40 years later, the average is still $1,000. Remember, since the insurance company must make a profit, you can only get back in benefits what your employer puts in, less the profit the insurance company wants to make (i.e. the less they pay, the more they profit).

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