Dr. Robert Ryan, DDS Family Dentistry
Dr Robert Ryan DDS
Full Family Dentist

Restorative Services

Implants - Dentures - Bridges

Porcelain Crowns

Bridgework

Veneers

Tooth Colored Fillings

Preventive Care

Cleanings

Periodontal Treatments

Access from Quincy Center T

Convenient Hours

Frequently Asked Questions

Paying for Dental Care

Paying for dental care is a concern of many. Not everyone can afford dental insurance and not all businesses offer dental benefits. If your employer offers dental insurance, consider yourself fortunate. Below is a list of common questions as well as ways to find low-cost or charitable care.

Question: How does a dental plan work?

Answer: Almost all dental plans involve a contract between your employer and an insurance company. The amount your plan pays is agreed upon by your employer with the insurer.

Q: What does my insurance pay for?

A: What's covered by your dental plan is based on how much your employer pays into the plan. Usual, customary and reasonable charges (UCR) are the maximum amounts that your plan covers. These standards are set by your insurance company. Any portion of a dental bill not covered by your plan is your responsibility.

Q: What do I have to pay for?

A: Your dental plan may not cover conditions that existed before you enrolled in their plan, often called pre-existing conditions. Treatment may still be necessary for some conditions.Each dental benefit plan also has its own guidelines for which treatment is “dentally necessary.” If a procedure falls into this category, you may have to pay out-of-pocket. This does not mean the treatment is not necessary. It simply means your insurance provider defines it that way. There is an appeals process available should your dentist consider a procedure necessary that is not covered by your benefit plan. Although you may be tempted to decide on your dental care based on what insurance will pay, always remember that your health is more important than the price tag. The least expensive option is not always the best.

Q: How can I find out about charitable or low-cost dental care for persons in need?

A: Assistance programs vary from state to state. Contact your state to find the resources available. Another possible source of lower-cost dental care is a dental school clinic. Generally, dental costs in school clinics are reduced and may include only partial payment for professional services covering the cost of materials and equipment. Your state dental society should be able to tell you if there is a dental school clinic in your area. For more resources, please visit the U.S. Department of Health and Human Services, or the Association of State and Territorial Dental Directors.
All information above has been supplied by Mouth Healthy and is intended as a guide only.

 

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