When I began my dental career 34 years ago, the maximum benefit for a dental insurance policy was $1000 per year. The fee in our office for a dental crown was $225. So, a patient could get 2 professional examinations and cleanings per year, covered at 100%, and still have the benefits remaining to cover 6 dental crowns covered at 50%.
In the beginning of 2013, the fee for a crown was $1055. The amazing fact is that the usual insurance maximum benefit is still only $1000! If a patient receives their two examinations and cleanings, their remaining benefit would cover 1 crown, if covered at 50%.
Any amount that is covered is a huge benefit, and it means that much less has to come out of your pocket directly. However, it is clear that dental insurance has become quite limited. While we work hard to maximize your benefits, our goal is to recommend and provide the best available treatment for each patient independent of whatever insurance limitations there may be.
If you ever have any questions about what the benefits or limitations of your own insurance may be, or you would like some help in choosing a new type of insurance, please feel free to call us with any questions. We will do our best to help you find the coverage which best suits yours and families needs.
For more answers to any dental questions you may have, visit us at www.brownandkupper.com/questions.php.
Lawrence R. Brown, DDS