Stephen G. Blank, DDS

Port Saint Lucie, FL 34986

 

Dental Insurance

  We want to help each patient to maximize their insurance benifits!  We will help by submitting your insurnace claims with the correct coding and any supporting documentation that is appropriate including narritive reports, copies of x-rays and photos. Our goal is to help you get the most from your policy, but remain focused on your dental health.

    While we understand that getting your money back from the insurance company is important, we never lose site of our first priority, your dental health. So we do not allow insurance companies to dictate care to us.   Patients decide with the doctor what is best and then proceed with care. We can see any patient, regardless of insurance policy. Benefits and policies can be discussed prior to care.

   Please understand that dental insurance will never cover all of your dental needs.  Insurance is available to help with costs, up to some predetermined limit, often $1,000 - 1,500 per year, the same as in 1980. Your premiums have gone up, but the benefits have not. Also understand that insurance companies do NOT have your dental health as their priority, they are in business to make a profit. They do this by collecting more then they pay out to you. They are very good at making money.

   What does UCR mean.   Great question!   It stands for Usual, Customary and Reasonable, but may reflect  Usually Crummy Repairs.  It is an artifical number that insurance companies created to minimize what they pay out.  They will pay you a given percentage of their UCR, some mystery number.  If you ask your insurance company for supporting documentation of their UCR fees, you most likely won't get an answer.  Some of our fees will be reported as below UCR and some will be above.

   What is LEAT. It is an insurance company term for Least Expensive Alternate Treatment. It is another tool insurance companies use to avoid payment for certain procedures. It may be written in your contract.  You may be a victim of LEAT.  An example would be: Denial for a fixed bridge or implant, and instead being reimbursed as though a removable partial denture was placed.  Those are far from being the same procedures.  The insurance company executive would not settle for LEAT, but they hope you will just accept their explanation.

 Call to get started today!

772-878-7348