At Aesthetic Dental Designs, we believe that you deserve the best quality of care. That’s why we always present you with the best dental solution possible to treat your personal situation regardless of ones dental insurance reimbursement.  We provide the latest oral health information and minimally invasive technology so that our clients can remineralize cavities when found early, or if they do require fillings we can often provide smaller, stronger fillings that are more cavity resistant.  Our goal is to have you get less invasive more conservative treatment that is less invasive and longer lasting so that you spend less money and time on oral health problems.  Each year we provide outstanding dental care to hundreds of folks.  Some have dental benefits others don’t.  If you have dental benefits, congratulations!  You are very fortunate.  If you don’t we have numerous ways to make any type of dental care affordable for you.  Here are some important things you should know if you have dental benefits.

 Dental benefits are based upon a contract made between your employer and an employee benefits company.  If you have any questions regarding your dental benefits please contact your employer or the benefits carrier directly.  Dental benefits differ greatly from medical benefits.  In 1959, most dental benefit plans had a yearly maximum cap of $1,000.  You’ll be surprised to know today that the average dental benefit plan has a yearly maximum cap of $1,500.  There has been no significant increase in the yearly maximum cap in 40 years!  However, there have been significant increases in your premiums.  Dental benefit plans will never pay for completion of your dental care.  It has always been meant to assist you.

 Many people receive notification from their insurance company that dental fees are “above usual and customary.”  A dental benefits company determines their reimbursement level by surveying a geographical area, calculating the average fee, and then determines that 80% of the average fee is customary.  Included in this survey are numerous discount dental clinics and managed care facilities, which have severely reduced dental fees that bring down the overall average.  Any doctor in private practice will have fees that dental benefit companies define as “higher than usual and customary.”

 Many dental benefit plans tell their participants that they will be covered “up to 80% or 100%” but do not clearly specify the plan fee schedule allowance, annual maximum or limitations, quality.  It is more realistic to expect dental benefit plans to cover between 25% to 40% of dental services.  Remember that the amount a plan reimburses is determined by how much your employer has paid for your dental benefit plan.  You will get back only what your employer has put in, less the insurance company’s profit margin.
 
 Dental benefit companies do NOT cover many routine and newer dental services.

Our team members will gladly assist you in filling out the necessary forms to maximize your dental benefits and discuss your financial options.  Excellent dental care is available with or without dental benefits.  We hope you will choose the best that dentistry has to offer and not allow your insurance carrier's financial interests decide the level of care you receive or mislead you as they often do.