The short answer to your question is: probably.
We understand our clients’ desire to take advantage of their dental benefits. Sometimes we see them disappointed when those benefits don’t completely match their needs. No one from the insurance company checked your teeth or asked you what kind of dental health was important to you. That’s okay. That’s our job. In this practice we will always make recommendations based on what we believe to be the best for you, never on what your policy covers. We refuse to allow our responsibility to you to be clouded by any contracts with insurance companies.
Dental insurance was never designed to pay for everything everyone in the plan might want, only to defer some of the cost of some of the treatment its customers might choose. Even though it is common for a dental plan to state that it covers “100% of preventive services” it is extremely rare for that to be literally true. In most cases the coverage stated is a percentage of an allowance established by the insurance company, having no relation whatsoever to actual fees charged, and with many restrictions and limitations attached.
We encourage you to look at dental insurance as an aid in achieving your goals. We will help you figure out the benefits available, help you ask appropriate questions of your benefits advisor, and help you receive the maximum benefit from your plan. We are happy to file claims for you and in most cases will accept assignment of benefits. When you assign benefits to us on your behalf, we will estimate the amount not covered by your benefits and ask you to pay that amount at the time of service. Any remaining balance is expected upon receipt of the insurance payment.