Is Dental Coverage Really "Coverage" ?

Are you putting off necessary dental work because it’s the end of the year and you are out of dental benefits because you are over your annual limit? Or have you not used up your benefits and forgot that they are about to expire? Your employer tells you that they provide medical and dental coverage and sometimes you have to contribute to this and are given options to choose without clear explanations of their limitations. Unlike medical coverage which will “cover” millions of dollars in claims if needed, comprehensive dental insurance DOES NOT EXIST! All dental plans have a very limited amount of annual benefits.  The average amount is only $1500/ year in benefits compared to medical so is this really “coverage”? These plans were developed in the 1970’s with a $1000/ year in benefits so in 50 years, dental coverage has gone up by $500!

In addition, besides preventive services, most basic services have at least a 20% copayment and many common services such as crowns or bridges are considered major with at least a 50% copayment.  Many services are often not covered such as implants, adult orthodontics, replacing teeth that were extracted prior to coverage or cosmetic procedures, which still have many health benefits. So do your really have dental “coverage”?

That being said, at NY Smile Spa, we are experts at maximizing the insurance contribution and minimizing your out of pocket costs by prioritizing and planning your necessary treatment over time to capture your maximum yearly insurance benefits. We also have a variety of financing options to help fund the portions not covered by insurance.  We want all of our patients to be able to achieve health, maintain that health and enjoy a beautiful healthy smile for life.

For more information, you can contact Dr. Michael Krochak at

drk@nycsmilespa.com

NYC Smile Spa

30 E. 60th St., Rm 1201

New York, NY 10022

(212) 838-2900