In 1960, the average maximum benefit paid by insurance carriers was $1,000 per year in the Denver area.  More than 40 years later, the average is still approximately $1,000 per year.

Can this be true?  Yes! An ever-increasing number of patients cannot gain access to needed dental services because the maximums have not even kept pace with inflation. 

 

Dental plans are designed to share in the cost of your dental care, not completely pay for those costs.  The amount your plan pays is determined by the agreement negotiated by your employer with the insurer.  Your dental coverage is determined not by your dental needs – but by how much your employer contributes to the plan.

 

Navigating through dental insurance plans can seem overwhelming at times.  We will work with you and your insurance company to submit claims and maximize your benefits.  Dr. Slota is happy to prepare a “blueprint” for your treatment, a complete treatment plan customized to your wants and needs, which will allow you to phase in ideal treatment over a period of time leading to the ultimate goal of Oral Health.

 

There is an alternative to traditional dental plans that you might want to consider.  Direct Reimbursement is a self-funded dental plan that reimburses an individual based on a percentage of dollars spent for dental care, not on the type of treatment provided.  It also allows patients to seek treatment from the dentists of their choice.  Unlike some forms of dental benefits, Direct Reimbursement allows patients to plan treatment with their dentists alone, with no third party interference.  It preserves your right to choose treatment with minimal paperwork and no preliminary authorizations.   For more information, contact the ADA at 800-232-1890 or dentalbenefits@ada.org.