Dental insurance is a contract between your employer and your dental insurance company. The benefits that you will receive are based on the terms of the contract that were negotiated between your employer and the dental insurance company, not your dental office. The goal of most dental insurance policies is to provide basic care for specific dental services. The services are selected based on the cost of the policy to your employer and the negotiated terms with the dental insurance company.

The benefits that you receive from the dental insurance company for your current insurance plan have nothing to do with you or achieving a high quality, complete result. Because the benefits you currently have are decided between your employer and the insurance company, many services are not covered. The selection on non-covered services is not based on what you need or want, but is based strictly on the contract with the insurance company.

This is why so many dental patients become confused about dental insurance. Dental insurance companies rarely cover 100% of dental fees, and in many cases, they cover less than 50% or nothing at all.

Covered and Non-Covered Services

Unfortunately, some of the services that you may need or want will not be covered by your dental insurer. Our goal is to help you achieve and maintain optimal dental care, which is not necessarily the goal of your dental insurance company. The goal of the insurance company is to provide only the negotiated benefits for the specifically selected services.