You will never get more out of the insurance company than you pay in. The way dental insurance is set up today is almost the exact same way it was set up in the 1960's when it was first introduced. Back then you had $1000.00 maximum to spend on your teeth every year. Back in 1960 that went a very long way towards fixing a mouth. Today most plans still only give you $1000.00 to spend on your mouth each year, in today's numbers that may pay for only one tooth to be fixed. The dental insurance companies know to the exact penny how much their out of pocket expense could be each year. In other words if they have 2000 people on the plan they know that all they have to do is charge enough in premiums to cover the worst case scenario of every person using all their insurance, which amounts to 2 million dollars. But they also know many people wont use more than a couple hundred because they wont need any work done.In my office we are actually developing a dental plan for our patients. It isn't insurance because a third party wont be involved, but our patients who sign up for the plan will have far more control over their treatment. I am hopeful that this will help bridge the gap for all those who don't have dental insurance through a job. The moral of the story, if you have dental insurance through your job be grateful and use it. If you don't have insurance through your job find out what an insurance premium would cost and put that aside each month in a savings account and then you will essentially have dental coverage that works better than most dental insurance plans. Just a little rant.
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