When you have a dental insurance plan were you are dealing with the filing of claims it is important to understand the claims process. Know how your insurance company handles claims and how the dentist your pick files out your claims. Problems arises when you do not have a clear understanding of your dental insurance and how claims are paid. As well as when you do not know how the dental office is going to make you pay and how they file out claims.
Many PPO plans or free choice of dentist plans state they pay out a certain percentage for preventive, basic and majors services. However that percentage is still normally up to what the UCR or MAC rates are for dental company.
Knowing that is important and it is a good idea to submit dental services to the claims department as a quote only before any dental work that is more then $300.00 or what you can afford is started. That way you always know your true cost for the dental services before committing to it.
It is equally important to know how the dental office is going to file out your claim. Do not assume that the dentist will not charge you the full amount for the dental services. Making you wait for your refund back from the dental office. This is a mistake often made and normally it is after the fact. Causing many people to be upset. Ask the dentist what they expect you to pay and how before work is started. Do they file the claims for you or do you need to file them. Knowing all this ahead of time will keep you from any unexpected billings and from getting upset with the dental claim process.