Dental insurance can be like a two edged sword. People often think that they need it before they can afford dental care—which can lead to more expensive dental treatment when they finally “get around to it” or experience “an emergency.” Many dental “emergencies” are simply the result of not getting proper dental care.
Most dental insurance has not kept up with changing economic times. Typically a plan will allow for payment of $1000 per year—a figure established in the 1960s that has not changed. Dental premiums that you or your employer pay on the other hand have skyrocketed. Insurance companies are not interested in seeing that you get complete or proper dental care—they exist to make money.
Good advice if you do not have dental insurance: seek low interest financing instead. When you are done paying off a small loan—there are no ongoing premiums afterward. Due to yearly insurance payment limitations, people who do not have dental insurance often get more complete and stable dental care because they do not postpone needed services.
With that being said—we do accept most insurance, process claims for you and accept assignment of benefits. We do not encourage you to accept “only treatment that the insurance will pay for” because as stated above—they do not care that you receive excellent dental care. They only care that they make money.
Similarly, we will not recommend “waiting for the next insurance year”—if you need specific treatment, it will be stated to you. If you choose to wait, you will do so at your own risk—not upon our advice.
Normally if you wish for us to accept assignment of insurance benefits, we will collect the deductible and estimated co-payment from you in order to reserve your appointment time for treatment.
We have preferred provider discount agreements with several companies including:
• Aetna DPPO
• Asuris Northwest Health
• CIGNA Dental PPO
• Delta Dental PPO
• Group Health Cooperative (WDS)
• Guardian DentalGuard Preferred
• MetLife PDP
• Premera Blue Cross
• Principal Mutual
• United Healthcare Dental PPO
• Washington Dental Service
• Washington Dental Service DeltaCare
Please call us today at 535-8838 if you have any questions about your dental insurance or to make an appointment.
Spokane Gentle Dentistry / South Hill Gentle Dentistry John D. Kimball III, D.D.S. 3151 E. 29th Spokane WA 99223 509-535-8838