Use it, Don’t Lose It !!!

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Now is the time to plan for the completion of your dental treatment before the end of the year. All insurance plans have a yearly maximum. If you do not use this maximum amount, the remainder is lost.

If you have already met your deductible and you have treatment to be completed or to be started, take advantage of your benefits this year.  If necessary, we can use the maximum allowed this year, and complete the work next year with the next year’s allowance.

Good planning will allow you to take advantage of the full benefit of your policy. Please do not wait until the last few weeks of the year, when our congested schedule will make it difficult to appoint a convenient time for you.

Our goal is to provide you with quality dental services, so let us help you maximize your dental insurance coverage in the process.

If you have questions about what insurance you have remaining for the year or what treatment has been recommended, please contact our office team. They will be happy to help you with your insurance and treatment questions.

Call us today at 770-623-8750 to schedule your next appointment and take full advantage of your remaining dental benefits

 

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Five Things I’d Like You To Know About Your Insurance

From http://agdblogs.blogspot.com/2013/04/dear-patient-five-things-id-like-you-to.html

Dental insurance can be a huge asset in making dental treatment feasible for a patient. Unfortunately, patients are less likely to understand their dental insurance benefits than their medical. While medical insurance covers most or all of the necessary procedures with only an initial deductible or minor co-payments, dental insurance operates off of a very low annual maximum that is often insufficient to cover the patient’s dental needs.

Why is this important to talk about? Almost every day I talk to a patient who has avoided the dentist for 5, 10, or even 15 years because of a lapse in dental insurance. These patients are often the ones that excitedly return for a cleaning and exam thinking they can finally bring their mouth back to health now that they have a new insurance plan. Unfortunately, these are also the patients that usually present with multiple dental problems and extensive treatment needs.

When these patients are handed a treatment plan costing several thousands of dollars for root canals, crowns, restorations, etc., and only the first thousand of it is covered by insurance, it’s like a punch in the gut. This can lead to some pretty tough emotions—denial, anger, even depression. The dental office is often the heel of the anger and depression. So patients, here are a few things I’d love to explain to you about your insurance benefits.

1. Your insurance company is a business. A well-run business makes more money than it spends.

In the insurance company’s ideal world, everyone would just have dentures. That way, your employer would still provide insurance, but no one would need any procedures. The insurance provider would continue to collect money, and you wouldn’t use any of your benefits.

Keep your teeth! They are wonderful, beautiful teeth. Just make sure to make regular appointments so we can keep them that way.

2. Just because your insurance doesn’t cover it, doesn’t mean you don’t need it.

I understand that your insurance company covers the amalgam restoration at 100% and the composite restoration has a co-pay, but pleeeeease give me a few seconds of your time to explain the differences between the two. There are benefits to treatment options that are not covered, or not covered fully, that I’d like you to understand before you make a decision about your dental health. When you lock yourself into the mentality that you must stay within your benefits and annual maximum, you can avoid necessary treatment and create a snowball effect of future, more expensive dental problems.

Dental insurance is made to cover tune-ups and oil changes for your mouth with the occasional tire rotation. Sometimes the engine or alternator goes, and you have to dip into your pocket a little deeper than you’d prefer.

3. The negotiated rates we are accepting from your insurance provider often barely cover our costs.

I know dental procedures can be expensive. It gets me down when my patients think the money from those procedures goes directly into my wallet. Patients are less likely to let me know when their tooth hurts or schedule an appointment when they know a tooth needs treatment.

I know I can seem pretty glamorous with my white coat and all, but I promise I’m not ordering procedures to get my hands on your money. After I sterilize the instruments I’m going to use, have the room disinfected and set up for your appointment, take the time to calm your fears and get you comfortable before starting, administer anesthetic, complete the procedure, give you post-op instructions and explain your prescriptions (all while paying an assistant, front desk staff, and the electric and rent to provide you with the space to accomplish all of this), the profit margin is far lower than you might think.

When the economy goes south, finances more easily trigger patients’ emotions. We get that. We try to keep our costs at the lowest level possible while still providing you with the highest quality dental work.

4. A good dentist won’t plan treatment with your insurance coverage in mind.

If I did, I would be forced to misdiagnose, under-diagnose, and recommend inappropriate treatment options. I became a dentist to provide excellent care to my patients, not to be at the mercy of a company who could care less about my patients. I’ll do everything I can to allow you to maximize your insurance benefits, but I can’t alter your treatment needs based on your insurance plan.

5. Our office is not in cahoots with your insurance company.

I can’t begin to tell you how much easier our office would run if we didn’t deal with them at all. We work with them on your behalf, and only for your convenience and benefit. We aren’t holding late night meetings with your provider figuring out how to nickel and dime you from both ends. In fact, most of our encounters with them are explaining why they should pay for something they are trying not to.

Those are five things that will make your life easier as you try to fit dental work into your budget. I hope you will find them useful and they will lead you to happy teeth!

Courtney Lavigne, DMD

Use it or Lose it!

Did you know that if you don’t use all of your dental insurance benefits this year, you lose them forever? That’s right – no dental benefit plan we know of allows you to carry unused benefits over to the following year. If you don’t use them, you lose them!

You may have benefits remaining in 2012. Waiting until next year means that not only will you lose any unused benefits for this year, but also that you’ll have to first satisfy a new year’s deductible before any benefits will be paid.

If you have been postponing dental treatment, call our office to see if you have benefits remaining this year. We also have various financing options to help with any portion not covered by dental insurance. If you have no dental needs at this time, good for you! Please just accept this as a reminder that we are concerned with keeping your out-of-pocket dental costs to a minimum.

Also don’t forget to take advantage of any medical or healthcare Flexible Spending Account (FSA) plans you have.

2011 Happy New Year – Dental Insurance Updates

Happy New Year

Wishing you every happiness and prosperity in the New Year. Thank you for being our patient. We look forward to continuing our relationship in the coming year.

If your dental insurance benefits have changed, please call the office with this new information now before your next appointment. Have your dental insurance card in front of you so that we can take the information over the phone. You can also fax it into 770-623-4765. If you did not have insurance before and do now or had it before and don’t any more let us know that too! Thank you in advance for taking the time and making the effort now while it is still fresh in your mind.

This will help avoid any surprises at your next appointment and having to pay for that appointment, while we verify your insurance benefits. This is just one of the many services that we will continue to provide as a courtesy to you.

All the best to you and your family,

Dr. Ushma Patel D.M.D. & Team
Center for Advanced Dentistry
www.JohnsCreekSedationDentist.com
770-623-8750

www.HiTechSmiles.com
appointments@hitechsmiles.com

Use ‘Em or Lose ‘Em: Take Advantage of Your Dental Insurance Benefits

Atlanta, Did you know that each year insurance companies make millions of dollars off patients who forego necessary and preventive dental care? Many individuals who are paying for dental insurance do not realize that their plans provide coverage up to a certain dollar amount annually.

Consequently, some patients are not scheduling the dental treatment they need, deserve, and have insurance to cover. Thus, the insurance revenues allocated to pay dental claims on many patients are never used, and, unfortunately, those dollars cannot be carried over year-to-year. The bottom line: What the patient does not use they lose.

Clearly, it pays in many ways to schedule the preventive care or other dental treatment that you need. We are here to help you secure the insurance coverage available to you on every dental procedure you schedule. Our computer can estimate what you still have in unused dental benefits. Give us a call today, and together let’s make sure you are in excellent dental health.

Give our office a call at 770-623-8750. I look forward to seeing you again and sharing some of the many innovative means we now have available to provide you with superior dental healthcare.

Interest Free Financing – Affordable Monthly Payments

Did you know that on approved credit you can finance 100% of your dental treatment in the Alpharetta, Suwanee, Johns Creek, Duluth, Cumming and Atlanta area of Georgia (GA) and make affordable monthly payments over time. This program allows you to begin your treatment today with affordable monthly payments that are INTEREST FREE for the contract term. This will allow you to pay for your Dental services over six or twelve months. It is especially ideal for co-payments, deductibles, and treatments not covered by insurance. Applying for financing offered through this CareCredit is quick and easy. For more info visit CareCredit.com. You will get a revolving line of credit that you can use at many participating healthcare providers including Center for Advanced Dentistry for you and your family including your pet.