Dental Insurance

Dental insurance is a misnomer. It is really NOT insurance, but a benefit. Most true insurance requires an examination of existing conditions and premiums for coverage are prorated to these conditions. With dental "insurance" this does not take place.

An employer who provides dental benefits collaborates with the provider of these benefits to determine which services are to be covered. By choosing to exclude higher cost services and capping the benefit, the employer controls the premiums. This is obviously not in the best interest of the employee. However, some coverage is better than none.

Dental benefits have not been adjusted for inflation! The typical $1000.00 yearly dental benefit began in 1967. Had this benefit kept pace with inflation, it would be approaching $10,000.00 yearly. Dental benefits, therefore, can not be expected to cover major dental services. The dental benefit is more of a maintenance benefit.

At Southern Boulevard Dental Center, we attempt to maximize your dental benefits, but we cannot allow the lack of full coverage to determine the proper treatment of your dental needs. We will file the claims for benefit reimbursement, but please be aware that limiting your treatment to what is covered by your benefits is clearly not in your best interest.