How Come My insurance Doesn't Pay For White Fillings On My Back Teeth?

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Welcome to the world of guarnatee duplicate talk and small disclaimers.

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How is How Come My insurance Doesn't Pay For White Fillings On My Back Teeth?

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"Yes, Mrs. Johnson, you have just bought one of the best thorough dental insurances on the shop and we are here to serve you every step of the way." Is what one guarnatee agent told my patient. Well, my outpatient was happy and even felt safe knowing she had just bought her "comprehensive" dental insurance. She never expected to hear from our office that her guarnatee does not cover a procedure which is one of the most tasteless procedures out there next to exams and cleanings.

I am talking about the pretty white fillings every outpatient wants put in their mouth instead of the old, but still useful, silver fillings(amalgams). Yes, the ones, that no matter how you slice it, include mercury. I would have to say that in the last three years not a singular outpatient has come to me and told me they want the silver fillings instead of the white fillings. So, why do we have many insurances that refuse to pay for the white fillings and will only pay for the silver ones?

For the straightforward infer of Money. There is no other explanation. The guarnatee is only looking at their bottom line and trying to find ways to not pay for the treatment they had agreed to pay for when you bought that insurance. Some insurances will pay a downgraded price for a white filling, the price they would pay if the dentist had located the silver filling, leaving the unlikeness to be paid by the patient. But others go as far as not paying whatever even though a cavity was taken care of, something that is considered basic in most guarnatee procedure manuals.

They will hide behind the fact that a "silver" filling was not located so no advantage will be paid even though the real truth is that a cavity was filled, and it should not matter to them what material the outpatient chose to use in their mouth. "It's a firm policy," is all we are able to get when we talk to these guarnatee companies that don't even pay a downgraded version of the filling. I guess they would rather lose that guarnatee client that is only paying to dollars extra a month for their dental coverage than to have to pay the any hundred dollars that is their accountability to the dentist.

It is unfortunate that that when we, dentists and dental staff, break the news to the outpatient they immediately think we made a mistake (not to say that we don't make mistakes, because we are human and we do.) We are the ones that have to bare the burden of 'Awakening' the patient.

So for all those that have dental guarnatee or are in process of buying dental coverage, ask your guarnatee firm if they cover white fillings on back teeth or if they are 'downgraded' or not even paid at all. You'll be able to know if you have found a decent dental guarnatee or not(at least for this aspect of it). Don't be afraid to ask your dentist for help with picking out a good insurance. Believe me, we would rather deal with a ability guarnatee carrier that with one that hides behind small disclaimers.

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