Dental Insurance – Bohemia, NY

Understanding How Dental Insurance Works

In an effort to provide high quality dental care and to clarify our position on filing for your insurance benefits, we would like to share some facts about dental insurance with you:

Your dental insurance is based on a contract between your employer and the insurance company. While we will attempt to estimate your dental benefits to the best of our ability, this is an estimate ONLY and should not be depended on as the final decision. Should questions arise, it is best to contact your insurance company directly.

While you may receive notification from your insurance company stating dental fees are "higher than usual and customary," we work hard to keep our fees within this range. An insurance company surveys a geographic area, calculates an average fee, and then takes that fee and considers it customary. Included in this survey are discount clinics and managed care facilities, which bring down the average. Most doctors in private practice will have fees, which are defined as "above usual and customary."

Many plans tell participants they will be covered "up to 80% or up to 100%" but do not clearly specify plan fee schedule allowances, annual maximums, or limitations. Insurance companies do NOT cover all dental services.