Woodin Creek Dental

Dental insurance in nutshell

August 28, 2014
Posted By: Dr. Evan Chiang & Dr. Yogesh Goel
Many people think that dental insurance is the same as medical insurance, and are shocked when they find out it isn't. How does dental insurance work? We can think of it as a coupon or a voucher that allows the patient to receive a limited amount of dental services. And when I say "limited," I really do mean "limited" when compared to the coverage that one receives through medical insurance. Dental insurance providers have all kind of limitation on how this amount can be used. Sometime they put 6 months to 1 year waiting period . Many time they severely limit the procedures which can be done.

What Does My Dental Insurance Plan Cover?

Most dental insurance plans give the patient a 1000-2000$ a year maximum.It is the same amount which they first started offering in late 60s. There is often a deductible. What this means is that before insurance starts paying, the patient needs to pay deductible out of pocket first.
"Preventive" procedures such as exams, x-rays, and basic cleanings are usually covered at 80-100%. 
"Basic" procedures such as fillings, extractions, root canals, and deep cleanings are covered at 50-80%.
"Major" procedures such as crowns,bridges and orthodontics are covered at 0- 50%. 
These categories esp. Basic and Major are different with different insurance carriers and more push nowadays to move the treatment in major category
Now, if you happen to need a lot of dental work, the 1000-2000$ yearly maximum may not be enough. And this is when the comparison to medical insurance really shows: with medical insurance, if you have several health problems, most insurance plans will pay significant portions of the treatment costs, sometimes upwards of 50,000$. Now when these same patients expect their dental insurance to do the same, they are in for a nasty surprise. Imagine that you need significant of dental treatment, and your insurance plan was only going to pay 1000$, and you'd have to pay the remaining amount out of pocket. This is the reality of the health care system.

The Woodin Creek Dental Philosophy

Now, it has always been our philosophy to never let money be an obstacle in obtaining the dental treatment you need. That is why we offer patients several options for financing their dental treatment:
1) They can sign up with a third party credit company like Spring Stone or Care Credit.
2) If they don't have insurance, or if their insurance has been maxed out, they can join our membership plan and save 20-40% off dental treatment.
3) They can pay for their treatment in monthly installments that are realistic for the patient's unique financial situation. 
So there it is, dental insurance 101, until next time
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Our philosophy at Woodin Creek Dental is to not let money be an obstacle for you when it comes to obtaining the quality dental care that you deserve. Our practice is in-network with most of the insurance and PPO and we offer several affordable payment options too.  If you do not have dental insurance, don't worry! Our Woodin Creek Dental In-House Dental Membership Plan can help you save 20-50% off average treatment fees in our area.

Unlike a typical insurance plan, if you are member of our Woodin Creek Dental Plan, you will not have to deal with claim forms, deductibles, maximums, or waiting periods. You can learn about the plan more by visiting our ...

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CORONAVARIS HEALTH UPDATE We’ve implemented some extra precautions regarding the Coronavirus in addition to the universal precautions we take to protect your health. What we are doing?: • Disinfecting the reception room, check-in and check-out counter tops and bathrooms every hour. • We also have private treatment rooms which greatly help with eliminating the spread of infection. Each room is disinfected fully after seeing the patient • Disinfecting doorknobs and sinks with disinfectant wipes. • Disposable/washable scrubs/gowns  • Temperature scan preformed at front station; All patients must have a temperature less than 100.4 degrees to be seen. • Hydrogen Peroxide rinses provided before treatment. • Removed all magazine, toys and unnecessary items from the reception room. • We have implemented designated times on the schedule for high risk patients •Pre-screening patients over phone and in office to eliminate the potential source of infection entering the office.