While dental insurance covers routine preventive care, you may find that your oral health requires an investment beyond insurance if you need more than regular dental cleanings and exams. Your insurance benefits will assist you in maintaining your dental health but ultimately are not designed to meet all your needs.
Rising health care costs have led to employers shopping carefully for the policies that they offer to their employees. Benefits are down, and restrictions and exclusions are up, causing frustration for patients who need care. “Insurance” is defined as protection against unpredictable or catastrophic loss, however, and most insurance plans exclude benefits and services for individuals with extraordinary or unusual needs. In fact, the majority of insurance plans include benefits only for routine preventive services. If your policy offers benefits for other services, such as dental crowns, dental bridges or gum disease treatments, these benefits are most likely offered at a much lower percentage of the cost of that treatment.
A common misconception is that dental insurance covers everything you need, implying that if something is not covered, you do not need it. This could not be further from the truth, and it endangers your oral and overall health by holding you back from receiving care that you may need to enjoy a healthier life. Here at Randall Meadows Dental Center, we believe it is our responsibility to advise you with regards to your oral health, and the fact is that your oral health needs will require that you make an investment in yourself. Our caring dentist and team believe that you are worth this investment, and we will work with you and your benefit plan to help you maximize your benefits so that you can maintain your oral health. As we are out-of-network with most dental insurance providers, you can count on us to make recommendations that are based only on your needs.
We invite you to contact us at 847-888-0011 at any time if you have questions about your oral health, treatment options or dental insurance plan. Our team will be happy to assist you and to help you make an appointment with Dr. Thomas Yun. We are proud to offer comprehensive dentistry in Elgin, Illinois, and look forward to meeting you soon!