Robert A Foster, Jr
DMD/PC
Family and Cosmetic Dentistry
770-971-5119
1230 Johnson Ferry Place
Suite C-10
Marietta, GA 30068
No Insurance is a “Pay All”
We strongly feel that our patients deserve the best possible dental care we provide. In an effort to maintain this high quality of care, we would like to share with you some facts about dental insurance in general.
The main purpose of a dental benefit is to help individuals by paying for a portion of the cost of their dental care.
It has been the experience of many dentists that patients have gotten the impression that their plan will pay up to 90%, even 100% of the dental fees. This is simply not true. Most plans cover from 40% to 80% of the average total fee. Some pay more, some less. The percentage you receive is determined by how much your employer has in fact paid for coverage. The less paid for insurance, the less you will receive in benefits. This is a basic economic idea.
Almost all dental benefit plans are the result of a contract between an employer and an insurance company. Therefore, If you feel your dental plan is not the product you thought it was, ask your plan sponsor or your Human Resources Department at work.
Limitations in coverage are the result of the financial commitment your employer has agreed to make and the benefits the insurance company will offer in exchange for that commitment.
Treatment decisions must be made by you and your dentist. While dental benefit coverage should be taken into account, it should not be a deciding factor in your choice of treatment.