RFD Insurance

No Insurance? No Problem! Enroll today!

Take advantage of our NEW IN OFFICE program and receive your dental treatment at home-like comfort! We offer Netflix, Pandora, Coloring Books and have the friendliest staff! You pay the annual fee to enroll and start saving immediately! You will receive 25% off ALL dental treatment!

 

Facts you should know about Dental Insurance…

As an optimum care dental practice, we strongly believe our patients deserve the best possible dental service we can provide. In an effort to maintain our high quality of care, we would like to share some facts about dental insurance with you.

FACT#1:  Your dental insurance is based upon a contract made between your employer and an insurance company. Should questions arise regarding your dental insurance benefits, it is best for you to contact your employer or insurance company directly.

FACT#2:  Dental insurance benefits differ greatly from general health insurance benefits. In 1971, your dental insurance benefits were approximately $1000 per year. Some 3 decades later, you will note that your benefits are still $1000 per year. Figuring a 6% rate of inflation per year, you should be receiving approximately $5000 per year in dental benefits. Your premiums have increased, but your benefits have not. Therefore, dental insurance is never a pay-all; it is only an aid.

FACT#3:  You may receive notification from your insurance company stating that dental fees are “higher than usual and customary”. An insurance company surveys a geographic area, calculates an average fee, takes 80% of that fee and considers it customary. Included in this survey are discount dental clinics and managed care facilities which bring down the average. The fee for service doctors in private practices will have fees that insurance companies define as higher than “usual customary”.

FACT#4:  Many plans tell their participants that they will be covered “up to 80% or up to 100%” but do not clearly specify plan fee schedule allowance, annual maximum or limitations. It is more realistic to expect dental insurance to cover 35% to 65% of major services. Remember, the amount a plan pays is determined by how much the employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.

FACT#5:  Many routine dental services are NOT covered by insurance companies. Financial arrangements must be made directly with us regardless of the insurance company receipt of benefits.

Please do not hesitate to ask us any questions about our office policies. If you have questions regarding your insurance benefits, please contact your employer or insurance carrier directly.

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