Tuesday, June 28, 2011

Dental Insurance FAQs...

We are asked often what dental insurance plans we participate in and what plans we recommend. So , here goes...

We participate in Aetna PPO, Ameritas,Blue Cross Blue Shield, Delta Dental, Guardian, and Principal. We accept as out of network providers with Cigna, MetLife and United HealthCare. We are listed on a couple of "transparent fee" lists : Signature Dental Plan and GE Wellness.

Some employers who provide these plans : United Postal Service(Aetna), ADP(Aetna),MedAssets (Aetna), Fulton County BOE(Ameritas), Girl Scouts of Greater Atlanta(Metlife), Microsoft Corporation (Blue Cross Blue Shield), Equifax (Aetna), Hewlett Packard ( Deltal Dental), Wendy's/Arby's Group ( Blue Cross Blue Shield).

Regarding the question of what insurance plan we recommend... that depends. If your employer offers options of dental coverage, then hopefully they are paying for a significant part of your deductible. If they offer choices, opt for comprehensive care that allows you to choose your own dentist. Stay away from "DMO" plans. These plans require you to select a dentist on their list and do not provide "out of network benefits" . We do not and WILL not sign up for DMO plans. If they offer a PPO option, that is usually safe because you can go "out of network" and still be o.k. In addition, we participate in many PPO plans. Most "open" plans allow you to go to your dentist of choice.


Are you unemployed, self employed, or retired and don't have dental insurance? No problem. I do not recommend that anybody pays the expensive premiums for dental insurance. Dental insurance is very different from medical insurance. It is financially irresponsible to not have health insurance. Not so for dental insurance. The average person only needs two cleanings and maybe a filling or two per year. The amount that you would pay for dental insurance premiums would likely exceed the amount that you would pay as a fee for service patient. Additionally, we offer as a courtesy to our patients a "fee for service" adjustment. The amount varies from 10-15% depending on payment method.
As always, I am happy to help you understand your dental benefits. I'm just a phone call or email away.
Debbie Johnson


Brian Johnson DMD
1240 Upper Hembree Road
Suite C
Roswell,GA 30076
770.993.9809
http://www.brianjohnsondmd.com/

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