FINANCIAL INFORMATION
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Northside Dental Care puts the patient’s needs first. High quality dental services are available to everyone at our practice. Before starting any dental treatment, you will meet with Dr. McRory’s team to discuss treatment options and the costs associated with those treatment plans. Northside Dental Care has partnered with CareCredit, a health care finance company providing many payment choices. Options include extended payment plans with affordable monthly payments or interest free payment plans.
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DENTAL INSURANCE PLANS
Northside Dental Care bills all private insurance carriers. We do not bill DSHS (“Apple Care” or “Molina”) claims.
A few words about Dental Insurance…
It may be more appropriate to refer to dental insurance as “Dental Assistance.” Dental benefits are not typically insurance in the classic sense.
If you have needs other than healthy cleanings, your care will require an investment beyond what your “insurance” will cover. Your benefits will assist you in the maintenance of your dental health but were never designed to be all you need.
Most employers react to the rising costs of health care benefits by shopping carefully for the policies they offer their employees. Benefits are down, restrictions and exclusions are up. Our patients share their resulting frustration with us every day. Adding to their frustration is the fact that dental benefits are often represented as being comparable to other types of insurance. “Insurance”—by definition—is protection against unpredictable or catastrophic loss. But most dental benefit plans specifically exclude extraordinary needs. The offered benefits are not only predictable but expected, such as routine exams, X-rays, healthy cleanings, etc. Policies offering a benefit for other common services—such as crowns and treatment for gum disease—provide them at a much lower percentage for the actual cost of providing that care, and with a low dollar limit per year.
Your dental benefit plan is an excellent maintenance assistance program helping you protect your investment in your dental health, and we’re happy you have that assistance!
Another common misrepresentation is that dental “insurance” covers everything you need. We believe this can be a danger to your health, because it implies that if it isn’t covered, you don’t need it. Insurance companies are in business to make money—this is no secret and it’s not bad or wrong. Their responsibility to shareholders is to provide the benefits they can while still creating profit within the investment your employer has chosen to make in dental health. You cannot count on a dental benefit plan to determine what you need; that’s your responsibility. It’s our responsibility to advise you regarding your health. Unless you have excellent dental health, your needs will require you to make an investment.
We invest in what we value: home improvement, education, vacations—all are examples of things we pay for, by choice, because we value them. We don’t presume to know where dental health fits in your value system—that’s for you to decide. For us at Northside Dental Care, it’s important that you know we think you’re worth the investment. We’ll work with your benefit plan to see that you receive the maximum benefits in assisting you with the maintenance of your health.
For more on this discussion see How Insurance Companies Put Our Health At Risk.
We work with and welcome ANY questions about your dental benefit plan
