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Frequently Asked Questions

No Dental Insurance

Written By Dr. Kyle Griffith

At 58 Dental, our patient population is very diverse. We have patients who, fortunately, have the benefit of dental insurance. We also have a substantial number of patients who do not have dental insurance. This blog will cover in broad terms what dental insurance is, how it works, and what to do if you do not have dental insurance.

First, dental insurance is a contract between the employer, employee, and insurance company. Dental offices have no way to affect or change the agreement between the dental patient and their insurance company.

"Dental insurance" is truly a misnomer. The perception is that dental insurance will cover everything. This is far from the truth. Dental insurance has limited and restricted benefits that are controlled by the insurance company. An appropriate description for dental insurance would be "dental benefit," which is more like a coupon applied to the cost of dentistry.

Dental insurance also has limits toward specific procedure costs, as well as a total limit. It is not uncommon for patients who have dental insurance to exceed these limits.

Many people ask, "What good is dental insurance then?" Dental insurance is good for covering things like yearly exams, dental cleanings, and simple fillings. But many patients find themselves with dental needs that are complex and extensive. Even though they have dental insurance, their dental needs exceed the limits of their dental insurance and they end up facing the same financial challenges as a patient who has no dental insurance.

At 58 Dental, we treat all of our patients the same, regardless of dental insurance coverage. Here are our recommendations if you have no dental insurance or have run out of benefits (or have surpassed your coverage amount):

1) Continue your regular dental exams and dental cleanings. It is better to be proactive and pursue health than to let disease set in. A dental examination and cleaning will allow you to find problems early, if they exist, and protect against future problems.
2) We have the prerogative to stage treatment. If a problem is found and finances are a challenge, then there is the potential to stage treatment. If your health is not endangered and the dental team sees the opportunity to spread treatment out over time, then dental treatment can be staged. The first stage is disease control and stabilization. Once disease is controlled, definitive treatment can be accomplished at some predetermined time in the future.

At 58 Dental, we are here to help and understand that finances are a concern for most individuals. While dental insurance is nice, many times it is inadequate in its financial scope. We will work closely with our patients to help them choose health over disease and navigate the financial complexities surrounding dental medicine.

Kyle Griffith DMD

7090 E. Hampden Ave.

Denver, CO. 80224

313-758-5252

www.58dental.com

info@58dental.com