L. C., Pungoteague, VA
A: L. C., you got to be kidding!? Ten to fifteen percent savings with your Blue Cross Blue Shield dental insurance? I wouldn't believe it if you didn't put it so convincingly. What is the point? Indeed a large percentage of dentists in Florida, Virginia and a few other states have decided not to accept ANY insurance dental plans anymore. The reason is as you state it. When the dentist considers
- required pre-approvals from the ins. company for services performed
- huge amount of paperwork needed
- having to hire an additional member of the dental office staff just to deal with insurance companies' paperwork
- long period of waiting for insurance company to reimburse the dental office after the service has been performed
Not all is lost, however. First, contact your insurance company to find out if you can remove the dental part from your policy. It is really of no use to you. If you can remove the dental part it will save you money every single month. Second, consider joining one of the "discount dental plans" that are available in your area. The benefit of a discount plan in your situation is that you will receive significantly higher savings than you are getting today with your Blue Cross Blue Shield plan. Savings will be typically 50-80% on general dentistry, and 10-25% on specialist services. As with Blue Cross you must typically see a participating dentist to receive maximum savings.
Many dentists are happy to accept discount dental plan members. The reason is simple, these plans require no paperwork, no pre-approvals, and no waiting periods to get reimbursed. With a discount plan you practically cut out the middle man, in this case an insurance company. The discount plan companies are very easy going, and the decisions about your services will be strictly between you and your dentist.
Discount Dental Plans
Discount Dental Plans That Cover Braces