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INSURANCE FAQs:
What is Dental Insurance?
Dental insurance is a contract between your employer and a dental insurance company and does not take into account your specific dental needs.
What is the difference between types of Dental Insurances?
HMO
The HMO insurance limits you to only being able to get dental benefits if you go to a specific dentist in their plan. You can of course still come to our office but you would not be able to receive any benefits.
PPO/DMO
Usually a PPO/DMO allows you to go to any dentist, within or outside your network and will cover a portion of the work that you get done. With these types of benefits, you can go to any dentist, but the dollar amount that they cover may vary.
Why does the amount for dental procedures vary so much?
Dental benefits are a contract between your employer and your insurance company, therefore offering benefits based on the cost of the policy to your employer. Since this contract does not include you or your personal dentist in the defining of you benefits, it many times does not cover the entire fee associated with you procedures.
Why don't I get full coverage for dental work like I do for medical?
Dental benefits were never intended to offer 100% coverage, as does medical insurance. A dental procedure, even a rather large one, will not usually have such a huge financial impact on someone, as would most major medical procedures. Therefore, dental insurance was originally established and is still considered a benefit or assistance toward dental costs.
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