Your Dental Insurance & Treatment
We accept all major dental insurance plans as long as they are PPO plans. As a courtesy to our valued patients, we will submit claims and advocate for unpaid services on your behalf for treatments provided in our office. Your insurance plan is a contract made between your employer and the insurance company and, unfortunately, we have no control or guarantee for what your individual plan covers for dental treatments.
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The dentists at Dr. Fong and Associates believe in comprehensive dental care and place your oral health as our top priority. We provide you with all treatment options based on our findings, regardless of insurance status. Our patient base is a mix of those with insurance and those without, but we treat everyone the same and successfully treat hundreds of patients each year. Whether or not you have insurance, our expert front office team will help find a financial plan that works for you.
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If your plan is an HMO, you are assigned to a dentist in your network and your visits will not be covered at our office
Understanding Dental Benefits
Dental insurance is better called "dental benefits." It differs from other types of insurance (medical, home, auto) in that you are allotted a finite amount of money (plan maximum) for the year, with coverage of services on a tiered, percentage structure. Thus, any treatment above this amount is not covered under the plan regardless of how necessary it is. If you have a dental benefit plan, that's great–you're getting a jump start to your oral health journey!
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Currently, there is a lot of frustration between dentists, patients, and insurance companies.
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Plan yearly maximums average $1,000-$2,000 nationwide and have not increased much or at all since their inception in 1959. While all other goods and services have increased significantly in the last 60+ years, it unfortunately means that dental benefits cover less that they have previously. Quality dental materials, supportive staff members, and the increasing need for technology is costly for dentists. Since the allowed fees with these networks have not increased, we cannot afford to provide you with same the quality service while staying in network with insurance companies.
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We know this is confusing and frustrating, but we hope it sheds some light on your dental benefit plan so that we can best serve you and your family's needs. Again, we believe in treatment planning and presenting recommendations based on your oral health needs, rather than what is "allowed" by your plan.