Dental Benefit Plans
Article by Marc Zive, DMD
Springfield Cosmetic Dentist
Most patients do not realize that dental benefit plans are not dental insurance. Insurance protects you and reimburses you for damage. Dental benefits are designed to help you defray the cost of your dental care. This is why the dental plans can place limits on how your benefits can be spent.
Dental benefits have not changed much since they were introduced in the 1960s. The annual allowance has barely changed over the past 50 years. What has changed is the cost of dental care. The cost of milk, bread, gasoline and dental care have increased dramatically since the 1960s while the benefit maximum and percentage of coverage has remained the same. Simply, the dental benefit dollar does not go as far as it used to.
While your dentist is concerned with your dental health and providing you the best quality care, the dental plan is focused on selling policies and limiting their payout for dental claims. The dental plan's objective is to make a profit for it's shareholders.
Dental care is an investment in your oral and overall health. Dental plans need to be viewed as a piece of your dental investment, not as the solution.