It is your job as the policy holder to look at what your insurance does and does not cover and to check beforehand to see if the dentist that you are going to is on your plan. It is not the dentist's job to do this for you.
Ditto on bad experiences with payment to medical providers. Thanks for the information. I had a dentist that did "take" my insurance, and my insurance wouldn't pay a dime of it because he was not listed on the plan, but they did "take" it and submitted the paperwork. You are so right -- you can look up medical providers on-line with your particular insurance plan and they will list providers who "participate" and whom they will pay for.
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Pounds lost: 2.0
Fitness Minutes: (87,276)
10/26/13 8:32 A
I've said it before and I'll say it again. I hate insurance, I hate dealing with the Insurance company, I hate trying to figure out which Doctors to go to that Participate with my company. It is complicated and a royal pain. I wonder how things will go with the Affordable Care Act, somehow I don't think much better.
Fitness Minutes: (50,785)
37,124 10/26/13 7:52 A
You are so right. Also need to know if your MD participates with your insurance. Also if you need to go else where like an oral surgeon you have to make sure that they participate, just because the dentist refers them does not necessarily mean they participate, and it is okay to call your insurance company and ask for the name of a participating member in your area.
I found out how important one word means today. The magic word is PARTICIPATE!!!!!!! When calling for a dentist you need to ask do you PARTICIPATE in my insurance plan not do you take it...... When they say they take it you will get scr#wed over big bucks, when they say yes we participate then you are getting your full benefits. I had some dental work done 2 yrs ago and paid 2,000 maybe a little over, I was scared today because I needed a tooth pulled and last time it cost me close to 200 dollars and that was with insurance. Today I said the magic word before I went to a different one DO YOU PARTICIPATE? Do you know how much the bill was? Today instead of close to 200 hundred it was 28 dollars!!!!!!!!!!!!! I'm sharing this with you because I know a few people that my husband works with that have paid a lot because they asked their dentists do you TAKE this insurance, we don't realize that the proper way to ask is DO YOU PARTICIPATE IN MY INSURANCE that one word could cost you hundreds or thousands!!!!!! Two years ago it probably did cost me a thousand or more then it should of just wanted to share this.
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