The dental insurance offered to you at work is the product of an agreed affair between your employer and the insurance carrier.
After they’ve hit the (spread) sheets a few times, they mutually agree to offer a few plan options that you get to choose from.
Please note that your dentist is not involved here, since no one likes a third wheel.
Yet somehow dental insurance companies have managed to shove under the covers the fact that they have not increased the amount of coverage in 40+ years.
Suffice it to say, neither you nor I can expect any changes to that unfaithful move anytime soon. Well, not without a dirty fight anyways.
However, getting some is better than none for most people these days. At the very least, your basic visits are covered, and so are varying parts (note: part, not “all”) of most dental procedures such as fillings , crowns , dentures , etc.
Still, some glaring red flags can alert you that you may not have the “average” insurance, but one that is altogether wrong:
1. The plan is neither a PPO nor a DMO….but a NO-NO.
2. When you call them about your dental benefits, they don’t allow humans to answer the phones.
3. The fine print says they will pay on your claim only on the 4th Tuesday of every other month, but only if it’s raining.
4. The insurance company’s philosophy is that they prefer not to pay for prevention, and certainly not for major treatment. (Yeah, I’m still scratching my head on that one.)
5. The insurance company denies coverage due to a pre-existing condition: that you have teeth.
6. The insurance company prefers that you DON’T see a dentist .
The above points may be somewhat funny, but are somewhat true.
To avoid getting into a messy tangle, it pays to know the different plan options available, and also to note the fine print on the plan you choose, i.e., having a general idea of what’s covered and what’s not.
Being informed keeps you on top. This way, if you and your dentist have to go all the way to figure out why the insurance company isn’t paying, at least both of you will be on the same page.
But, should you discover that you indeed have the wrong dental insurance and desire good oral care, I encourage you to sack it and find a better one as soon as possible.