by Dr. Joseph P. Graskemper
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Many people have dental insurance through their workplace or have purchased it on their own — and there are many types.
As with any type of insurance, some are better than others.
There are basically three types of dental insurance: HMO type, PPO type, and Indemnity type. And there are many variations of each.
Typically, the HMO dictates which dentist you may go to if you want the insurance to pay most — if not all —of the costs.
The PPO, which is the most common, has three variations.
First there is the PPO that a patient pays to join. The patient pays a reduced fee from the dentist’s Usual, Customary and Reasonable fee (UCR fee), if the patient goes to a dentist on the insurance list.
Then there is the PPO, usually through employment, that the patient pays a percentage of a reduced fee from the participating dentist’s UCR fee.
The third type of PPO, also usually through work, is where the participating dentist accepts the reduced fee paid by the insurance company as total payment for services rendered.
Lastly, there is the Indemnity type where the insurance company pays a percentage of the dentist’s UCR fee.
Having either the PPO or the Indemnity types still allows you to see the dentist of your choice, but the insurance may not pay as much of a percentage of the fee.
The dental insurance policy is between the patient and the insurance company.
Remember, dental insurance was created to be a help obtaining the dental care you need — not as the only reason to go to the dentist.
Many patients ask if they really need dental insurance. If your dental needs are minimal, you have maintained your smile, and do not foresee any dental treatment, you may want to consider the cost of dental insurance and the benefit you are getting from it.
In some cases, the cost of the dental insurance outweighs the benefits received.
To help patients obtain the dental care they need and do not have access to a dental plan, I have developed an in-office dental plan that offers reduced fees.
I welcome all patients with or without dental insurance. We are happy to assist those with dental insurance by processing the insurance form at no charge to you.
The percentage may differ from one dental insurance company to another depending on participation in a particular insurance plan.
If you have further questions regarding your dental insurance or for more information on our in-office dental plan, please call my office at 631-286-4243 or visit our website at www.bellportvillagedentist.com. This information was made available by Dr. Joseph P. Graskemper DDS.