Healthy Smiles Dental Care

The term "dental insurance" is actually misunderstood by many people. When you purchase car insurance, if you have an accident, after you pay your deductible, they repair your car completely, according to the agreed upon arrangement, generally, back to new. With dental insurance, it should be thought of as a way to assist you in paying for basic dental needs. It is not intended to bring you back to optimal health, otherwise, there wouldn't be an annual limit which dictates when your coverage stops. This means that if there is additional dental needs, your plan will not cover it, unless you are willing to leave the decay in your mouth. In addition, it would pay for the treatment diagnosed by your doctor, not offering secondary, less effective but cheaper metal fillings that will allow your teeth to fracture.

Please understand that regardless of your plan, the dental care treatment is provided for you. Therefore, you are ultimately responsible for any fees incurred for any dental care provided regardless of plan limitations, deductibles, co-payments, waived procedures, excluded procedures and so on. We use the latest tools to diagnose your mouth for needed treatment. We don't diagnose your dental plan, insurance benefits, or anything else. You will be given the information to make informed decisions about what treatment you wish to proceed with first. Our computer system does an excellent job breaking down each procedure and calculating patient portions. If your plan changes, your coverage changes, or any other information has changed since your last visit, let us know, so we can use that opportunity to update your records. Generally speaking, most employers will offer a variety of plans and allow the employee the opportunity to make a choice on the type of coverage plan they desire. 

At our office, while we will assist you with submitting your forms, our commitment is to coach you on how to need the minimum dentistry possible throughout your lifetime. Sometimes the various plans can be confusing and may misrepresent the benefits, therefore, it is advised that if you have any questions about coverage on any major treatment, that you consider asking us to do a pre-estimate of benefits prior to beginning treatment.