Maximizing Your Insurance Benefits

Dental insurance can be confusing. Let us help!

  • Check with your dental coverage carrier to find out what your yearly maximum is and how much you have left.
  • Bring your benefits book with you to your appointment, if possible.
  • We will complete all paperwork and submit claims to your insurance company.
  • We can spread out your dental procedures to maximize your annual dental benefits.

Our financial coordinator is always available to assist you in obtaining the full benefits to which you are entitled under your dental benefit plan. There are thousands of dental benefit plans in existence, and it is impossible to know in advance exactly what your benefits will be.

We encourage you to bring the papers from your dental coverage company which outline your dental benefits to your first appointment so that we may help you better understand your particular policy. You should also call your dental benefit provider to confirm what your yearly maximum is and how much of that amount has been used so far this year. Your dental benefit provider will usually attempt to limit your coverage through the use of these annual caps on your benefits.

We will complete all your insurance paperwork in a timely manner at no additional fee and make the process as easy as possible for you.

A dental benefit plan is not designed to cover all your dental bills, and (unlike medical insurance) dental benefit plans typically have very low yearly limits. Most dental plans have a yearly maximum benefit of $1,000–$1,500. This limit has not changed in the last 20 years! If the annual limit had kept up with inflation (as your premiums certainly have), it would be over $5,000 today. Your employer will not tell you that your dental benefit is being reduced every year, but in reality it is, because the maximum does not keep up with inflation.

Before Dr. Scharf begins any treatment, he will provide you with an estimate of the cost of treatment. This information will be transmitted electronically to the dental plan provider, which will confirm what portion of the fee will be covered by your plan. We submit claims electronically to speed your reimbursement by your benefit provider. Our financial advisor will help you create a payment arrangement that will allow you to pay the balance of your treatment cost according to a plan that fits your budget.