The new year is here, and it’s the perfect time to think about making the most of your dental insurance as well as deciding whether you want to keep paying for your dental insurance. Let’s be honest: dealing with dental insurance can feel frustrating. Between confusing terms and strict limitations, it’s not always easy to understand what’s covered and what’s not.

We’re here to help you get the most out of your benefits while also offering a better alternative that puts YOU first. Let’s dive in!

Understanding Your Plan’s Coverage

Most dental insurance plans claim to cover basic preventive care, like cleanings and checkups, at 100%. That sounds great, right? But here’s the catch: insurance companies often base their “100%” coverage on what they think the service is worth, not what it actually costs.

For example:

• Let’s say a cleaning costs $166 at our office. Your insurance might decide that their version of “100%” only covers $50. That means you’d still owe the remaining $116 out of pocket.

When it comes to bigger treatments like crowns, fillings, or root canals, things can get even trickier. Insurance often only covers a percentage of these services, and you’re left paying the rest out of pocket.

For instance:

• If a crown costs $1,800 and your insurance covers 50%, you’ll still need to pay $900 at the very least, more if you’ve hit your annual maximum or if your plan considers us out of network.

Know Your Annual Maximum

Most dental insurance plans have an annual maximum — the total amount they’ll pay out each year which is a dollar amount that they will never pay over. This limit is usually around $1,000 to $1,500. Unfortunately, dental costs have gone up over the years, but these maximums have stayed the same for decades!

That means if you need multiple treatments, you’ll likely exceed your coverage and have to pay the rest on your own.

Insurance Doesn’t Cover Everything

It’s important to remember that many dental procedures aren’t covered by insurance at all. For example:

• Veneers (used to improve the appearance of your smile) are often considered cosmetic and aren’t covered.
• Even necessary procedures like root canals may be denied if they don’t meet specific criteria set by the insurance company.

This can leave you feeling stuck, especially when insurance decides to limit what they’ll pay, no matter what you actually need for a healthy smile.

A Better Alternative! Our In-House Membership Program!

We know how frustrating it is to deal with insurance companies that pay less and less each year. That’s why we created our in-house membership program to give you better access to the care you deserve without the hassle.

Here’s how it works:

• Affordable Monthly Rate: After paying a one-time activation fee you will pay a low monthly fee that covers your preventive care (cleanings, exams, and x-rays). This means that as long as you are current on your monthly membership payment, I won’t collect anything else from you at your exam and cleaning! Woo!
• 15% Discount on ALL Treatments: Whether you need a filling, a crown, or veneers, you’ll save 15% on every service we offer.
• No Annual Maximums: Unlike insurance, there’s no cap on how much you can save in a year.
• No Limitations: We’ll never deny coverage or reduce benefits based on frequency. If you need three fillings or four cleanings in a year, you’re covered.

Example:

Let’s say you’re interested in veneers, which typically can cost $2,000 per tooth. With our membership program, you’d save $300 per tooth — and you can use the discount for as many teeth as you’d like. Insurance wouldn’t pay a penny for this service, but our program gives you real savings without the red tape.

Why Choose Our Membership Program?

• Simplicity: No claims, no waiting periods, no surprises.
• Savings: Lower out-of-pocket costs compared to insurance.
• Freedom: You choose the care you need without worrying about insurance restrictions.

Our goal is to make dental care accessible and stress-free for everyone. We believe in giving you more control over your smile and your budget.

Your smile deserves the best care — no strings attached!