Insurance

Have questions about insurance? Our pediatric dental office in Okemos, MI, would be more than happy to help! Our team will be able to help you better understand how to use insurance to pay for pediatric dental care. For any detailed questions, we recommend reaching out to your insurance provider.

In the meantime, our Greater Lansing pediatric dentists encourage you to check out these top 5 facts about insurance coverage.

Fact #1

Dental insurance is a contract between you, your employer, and the insurance company. The less money your employer has paid to purchase the plan for you, the less your coverage.

Fact #2

Dental insurance is NOT meant to cover all fees. It is meant to be an aid to your investment in your child’s dental health care. Many routine dental services like X-rays or fluoride are not covered by dental insurance on a regular basis.

Fact #3

Many carriers claim that they reimburse the insured promptly “up to 80% or up to 100% of the total fees.” In actuality, we have found that most plans cover about 40-50% of average fees. Some plans pay more, some less. The less paid for the insurance by your employer, the less coverage you will receive.

Fact #4

UCR stands for Usual, Customary, or Reasonable Fees. This is a term used by your insurance carrier to describe the arbitrary amount they choose to pay for each procedure. It is not based on the average charge of practicing specialists in the area. It is merely the “allowable” amount they will reimburse so they can make a net 20-30% profit. Our fees are within range of other pediatric dental offices in the area.

Fact #5

Insurance companies will not release the exact amount they will pay for a procedure until the treatment is completed and the claim is submitted. They will only state the percentage of their fee schedule that they will cover.

Our pediatric dental practice will make every effort to ensure you receive maximum benefits. We will file your insurance at no charge. In order to provide this service, we will need your updated insurance information before each appointment.

Contact Discover Smiles Pediatric Dentistry

Please do not hesitate to ask questions about our financial policy. We want you to be comfortable in dealing with these matters. If you have any questions regarding your insurance, we ask that you contact your company regarding the specifics and details of your plan.

Interested in our pediatric dental services? To schedule an appointment with our board-certified pediatric dentists in Okemos, MI, please call (517) 574-4688. You may also fill out our online contact form and someone from our team will reach out to you soon.