Poway and Rancho Bernardo, CA
The future of medical insurance in the United States seems to be changing on a daily basis. Even before the recent uncertainty, concerns about insurance have kept people out of the dental chair. Some dental coverage plans may not cover recommended or desired procedures. Other individuals feel limited because they prefer the services of a dentist who is not part of their coverage network. At Smiles by Dr. Cook, we have the philosophy that dental insurance—or the lack thereof—should never be the determining factor in whether or not you receive care.
Here are some important facts you should know about dental insurance, and medical insurance in general. Many dental plans only cover what is considered to be the bare minimum of care, because medical insurance is a for-profit business. This means that insurance companies price their premiums, deductibles, and yearly maximums so that they can make a profit while also providing what they deem to be an adequate level of care. As a result, many aspects of any health plan can be influenced more by cost than the quality of coverage provided.
Furthermore, because dental insurance is a for-profit operation, many preventive or cosmetic procedures may be considered to be elective—as in, not covered by insurance. While many basic dental plans cover preventive measures such as cleanings, exams, X-rays, and emergency visits, sometimes paying out of pocket for these services can save you money over time. To determine whether carrying dental insurance coverage is right for you, compare the cost of your monthly premium to the cost of your twice-yearly checkups at your Poway dentist. Remember, avoiding these checkups can be detrimental to your oral health and the health of your body.
This is because diagnostic tests or preventive care treatments allow your dentist to detect or even resolve potential problems before they develop into serious oral health issues. Any problem with your oral health will not go away on its own; failing to receive prompt treatment can necessitate extensive treatments in the future such as a root canal or even an extraction of a damaged or infected tooth. Left untreated, oral health issues can hinder your quality of life through consequences such as tooth loss. Certain problems like gum disease even can jeopardize your overall health or threaten your life.
At Smiles by Dr. Cook, we recognize that receiving elite dental care can be a substantial financial commitment. However, we also believe that financial concerns never should deprive someone of receiving the care needed or desired. As a result, we accept a variety of different options when it comes to paying for your procedures. Smiles by Dr. Cook also works with third-party financing companies; these companies allow patients to receive treatments by paying upon completion and then patients repay those companies on a plan of monthly installments that fits into almost any household budget.
Do you have any questions about the cost of particular procedures or what your dental insurance will and will not cover? Call the office of Smiles by Dr. Cook today. Our patient and experienced administrative staff will be happy to explore your different payment options and assist in navigating the often-confusing world of dental insurance.
To learn more or schedule an appointment, please call (858) 673-0141 or contact Smiles by Dr. Cook today. We welcome patients of Carmel Mountain, Poway, and Rancho Bernardo, California.