Boy do we wish this was true! If all we had to do was collect a $20 co-pay when you walked through the door all of our jobs would be much easier!
One of the biggest misconceptions with Dental Insurance is that they will pay 80% to 100% of all dental fees. This couldn’t be farther from the truth! First you should remember that Dental Insurance is meant to be an aid in receiving dental care. Most dental plans have a maximum and a deductible. The maximum is the amount your dental insurance will pay out each benefit year. They will not pay benefits over this amount.
So, for example, if your maximum is $1500 and your child has had a cleaning appointment that cost $200 and needs treatment that will costs $1200 you will now have $100 worth of dental benefits left for the remainder of your benefit year. If your child has to come back in 6 months for a cleaning and your benefit year has not renewed you will owe the difference of the billed amount minus the amount of maximum you have left. Therefore that cleaning appt will not be covered at 100%.
We advise all our parents to understand your personalized insurance policy and its exclusions and limitations!
Stay tuned for Faux Pas #3- My Dental Insurance Only Charges a Deductible for Treatment!