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Dental Insurance – Bohemia, NY

Your Quick Guide
to Dental Insurance

Dental team member giving two dentistry patients dental insurance information

At Sunrise Dental Service, our team will work with you to get estimates of your out-of-pocket costs. We try to maximize the benefits of your insurance coverage. If you belong to a traditional insurance plan, we can assist you by getting a pre-approval or filing your insurance claim. Traditional insurance is typically one in which you can choose any dentist you desire. Our dental office does not belong to any DMO or State Sponsored insurance plans. If you are not sure what type of plan you have, we will be happy to call your insurance company for you and explain your benefits to the best of our ability.

Understanding How Dental Insurance Works

Dentist and patient looking at dental insurance claims on tablet computer

In an effort to provide high quality dental care and to clarify our position on filing for your insurance benefits, we would like to share some facts about dental insurance with you:

Your dental insurance is based on a contract between your employer and the insurance company. While we will attempt to estimate your dental benefits to the best of our ability, this is an estimate ONLY and should not be depended on as the final decision. Should questions arise, it is best to contact your insurance company directly.

While you may receive notification from your insurance company stating dental fees are "higher than usual and customary," we work hard to keep our fees within this range. An insurance company surveys a geographic area, calculates an average fee, and then takes that fee and considers it customary. Included in this survey are discount clinics and managed care facilities, which bring down the average. Most doctors in private practice will have fees, which are defined as "above usual and customary."

Many plans tell participants they will be covered "up to 80% or up to 100%" but do not clearly specify plan fee schedule allowances, annual maximums, or limitations. Insurance companies do NOT cover all dental services.

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