Dr. Mogell Dental Blog

Boca Raton Cosmetic Dentist

Questions about dental insurance?

Thursday, January 14, 2010

In today’s economy we are all getting fairly hard hit these days when it comes to the cost for health insurance. We have to ask ourselves, do I choose the HMOs, PPOs or traditional indemnity plans? And what about those Health Savings Accounts? Unfortunately our decisions are often based on what it costs. The same applies with regards to dental insurance. Are you getting all that you need to be covered to insure your dental health?

A good example of inadequate coverage is with TMJ disorders. Dental insurance barely pays for patients who have TMJ disorders. The might pay a fraction of the cost of a “bite plate”, but they don’t generally pay for TMJ
x-rays! You can’t rely on your medical insurance. They may cover you TMJ disorder…if you need surgery, but they generally don’t cover for the necessary non-surgical treatment that could prevent you from needing to have the surgery at all.

The other big issue with dental insurance is you are limited by an annual amount of generally $1000-1500 a year. Can you imagine if your medical insurance said we are only going to provide benefits your medical expenses for that small amount! OMG!

If you have any questions regarding dental insurance and how it impacts your dental health, please do not hesitate to give us a call at 561-394-9000. We will try and answer your questions to help you maximize your dental insurance and maintain a healthy denttion.

Kenneth A. Mogell, D.M.D.