Maximums, Deductibles, Percentages, Major Category and Basic Category – jargon that can make you want to pull your hair and teeth out! Dental Insurance can seem overwhelming to those trying to figure out what procedures they are eligible for – with treatment falling in to a specific category, payable at a certain percentage, with an annual maximum – no wonder some individual’s never step foot in a dental office and never use one cent of their eligible benefits.
South Trail Crossing Dental strives to take the pressure off patients by providing up to date information regarding claim submission and patient portion. The administrative team at South Trail Crossing Dental work hard to inform patients of insurance maximums and limitations – but can only be of assistance if patients provide accurate insurance details. One little snag that is hampering SE Calgary Dental offices from having full access to patients’ dental insurance details is Canada’s strict Privacy Act. Designed to protect individuals’ personal information – this act also limits the amount of information dental offices can retrieve from insurance companies.
The giant insurance companies like Sun Life and Great West Life tend to only deal with the insurance subscriber – the person who holds the insurance plan – and restricts the information available to dental providers. You may have noticed that you now receive a lot more correspondence from your insurance company – correspondence that was at one time sent to your dental office – but is now sent only to you. In order to help your Dentist in SE Calgary stay informed of your insurance details: make sure you update any changes to your Policy or ID Number and let your dental office know if your employer has switched insurance carriers (company). Forwarding any information you receive from your insurance to your dental office also helps everyone stay in the loop.
In order to maintain optimal dental health, and get the most from your dental insurance, it’s a good idea to have your SE Calgary Dentist submit a predetermination to establish insurance coverage. Keep in mind that insurance companies aren’t guided by what’s best for your oral health – rather what meets their pre-determined limitations. Though your insurance can help take the sting out of a dental bill – choosing dental treatment should be based on your health requirements – not dictated by your insurance coverage.
For help making sense of your insurance – and to schedule an appointment – contact South Trail Crossing Dental today 403.720.2778