Finding good dental insurance plans—or any good insurance—is stressful. How do you know if you have found a good plan? Remember that we would love to help you, so call us and talk about what plans you are looking at. We’ll do our best to help you understand your options. When you go over your options alone, however, keep in mind this list of things to look for:
What to Look Out For
A Waiting Period. Many insurance companies have a one-year waiting period where you are paying for insurance but cannot use it. If this is the case, you might be better off looking for a different plan or just paying out of pocket.
Limits. Dental insurance plans usually have a ceiling on what they will pay per year. This amount may be measured per family or per person. Consider the dental expenses you think your family will need to see if this plan’s limit will suit you.
Coverage. Some insurance companies will only cover silver fillings (the ones that contain mercury) and will not cover composite fillings for cavities. This is another red flag that may mean this insurance plan is not a good fit for you.
Stipulations. Every plan will have some stipulations about copays, pre-existing conditions, limits, and other things already mentioned. Be sure you look over what these stipulations are to see if they are compatible with your family’s needs.
Coverage Percentage. Every dental plan should state rather clearly what percentage of your dental fees they will cover (usually around 60 percent or 80 percent). But you need to ask if this is 60-80 percent of the doctor’s fees, or 60-80 percent of the insurance company’s set fees. Here’s the difference: insurance companies create set fees for what theythink a cavity or cleaning should cost, regardless of whether your Boise dentist’s fees are different. You can see how this could cost you, so make sure you clarify this with your insurance company.
Do Dental Patients Really Need Insurance?
The short answer is that it depends. Dental patients should look at what they need and what insurance would cover, but the decision is mostly personal preference. Here are some examples of what you could consider:
Mostly Preventative. Most older people probably just need preventative care, so simple dental insurance like a $700 limit to use on whatever the dental patient wants or needs is probably enough to cover biannual cleanings, check-ups, and the like. For those looking for another simple dental insurance option, flex spending accounts are generally a good idea as well.
A Waiting Period. If there is a waiting period, however, you may be better off without insurance and instead pay out of pocket.
For Lots of Dental Work. If you need a lot of work done on your teeth, really good dental insurance could be a huge help. But know that for something like dental implants, most insurance companies won’t cover much. Coverage for these procedures has improved over the years, however, so you may get coverage up to 40 percent.
The Bottom Line
In order to discover if you have a good dental plan and if it’s worth the investment, ask lots and lots of questions. And call us to go over your options! We’d love to help you find the best plan and can help you pick up on the red flags of a bad plan.
Any other questions about finding a good dental plan? Give us a call or stop by our office!
Congratulations to Jack Tobin for being September’s Cavity Free Super Star Winner! By regular brushing and flossing, Jack kept his teeth healthy and cavity free for his appointment. Thanks for coming in, and for taking such good care of your teeth and gums, Jack!
All children ages 3-14 who have no cavities get to join the Boise Summit Dental Cavity Free Super Star Program! Each child will be entered in a monthly drawing for 2 Free Movie Passes! We will also place their names on our website as we want everyone to know that we are proud of these children who have been doing a great job taking care of their teeth and gums at home!
Congratulations to Landon Schweiger for being July’s Cavity Free Super Star Winner! At six years old, Landon kept his teeth healthy and cavity free for his appointment by regular brushing and flossing. Thanks for taking such good care of your teeth and gums, and enjoy your two movie passes, Landon!
The Summit Dental Super Star Cavity Free Program was created to show recognition to those special patients who demonstrate excellent home care in between dental visits and therefore have no cavities when they come in for their dental check-up.
All children ages 3-14 who have no cavities get to join Summit Dental Super Star Program! Each child will be entered in a monthly drawing for 2 Free Movie Passes! We will also place their names on our website as we want everyone to know that we are proud of these children who have been doing a great job taking care of their teeth and gums at home!
We’ve been wondering what your favorite things about Summit Dental are, so we thought we’d share a few more of ours as well. Here are three of our hygienists’ and office staff’s favorite things about working at Summit Dental Group.
The chocolate drawer. One of our office’s longest traditions, the chocolate drawer is a place for everybody to grab their favorite piece of candy. It is full of any and every kind of chocolate, from Twix to Milky Way to Hersey chocolate bars. We all take turns filling the drawer as well so it always has a good stock, just what we need if we’re having a rough day or need a late afternoon pick-me-up. We can’t quite remember how it started besides the fact that we have an office full of women, so of course chocolate is a great idea!
Office field-trips. These trips are a great time for us to hang out and relax together while creating a solid team environment. They may be as simple as a few rounds of Frisbee golf, or we might make a longer day out of it by floating on the river. One year we even rented a bus and went down to Jackpot to check out the concerts and casinos! Made to bring us together as a team, these fieldtrips include some of our favorite memories of Summit Dental.
The Summit gang. Of course the staff and team at Summit are what make working at this dental office such a great experience. We get along so well together and have such a great work atmosphere. You’ve already heard some of our favorite places to get together for lunch or drinks so you know what a great time we can have! In addition to going out together after work or during lunch, we also like to throw together a girls’ getaway where we go out for dinner or try a new project. Some of our favorite times include going to a ceramics place to paint pottery, or heading to Need to Bead for some creativity.
With something like a chocolate drawer, you have to know that Summit Dental Group is a great place to work with an environment that is hard to beat, whether for us or for you as our patients. Of course, something like a chocolate drawer or office fieldtrip is just the cherry on top of a great working environment, made possible by our amazing team of dentists and staff!
With the new office opening on August 1st, we’d love to share more about what makes the new office so impressive! You’ve already heard about the great location and our Boise dental office’s amazingly friendly environment, so now we’d like to share three important things about our new patient rooms:
Privacy. Floor-to-ceiling walls make sure every patient has the privacy they need during their dental visits. With private patient rooms, patients will not be disturbed by other’s appointments, and patients will not have to worry about sharing space. A quiet and peaceful environment makes every appointment better for the doctor, patient, and family members! Don’t forget about our private patient check-in and check-out as well.
Comfort. Not only is each patient room very private, our patient rooms are also spacious and relaxing. Appealing wall colors, dark wood floors, and plenty of natural light make these rooms warm and inviting. Our patient rooms are also easily accessible from the waiting room, so no squeezing around furniture or zigzagging through several narrow hallways.
Technology. Of course, what can help a patient relax more than a movie or TV show? Each patient room is equipped with a flat screen television attached to the ceiling, and patients can choose from our many satellite TV channels, or they can decide on a movie to watch during the entire appointment (we have plenty of options for kids and adults). So be sure to bring your headphones!
Not only do we offer the latest technology for watching movies, we are also proud to have top-of-the-line dental technology throughout our Boise office. Each patient room is equipped with the latest dental technology so that every appointment can run smoothly, without relying on borrowing equipment from room to room.
Between our beautiful and natural room designs, private patient rooms and check-in, and latest technology, we are confident every patient will feel comfortable and relaxed at our new office space. Don’t just take our word for it, though—stop by and check it out for yourself! We’d love to say hello and show you around.
Looking to satisfy your sweet tooth? We love a good cup of coffee or a delightful pastry, so here are our Boise dentists’ favorite places to go for coffee or dessert!
Our Boise staff love their coffee and can recommend several places around town where you can great mocha or regular coffee. Stop by Dutch Brothers for a latte on the go on your way to work, or choose one of the delicious monster scones at Big City Coffee when walking around downtown Boise. We also think Moxie Java offers some of the best blended iced coffees, perfect for hot summer weather! For a little more of the sweet stuff, we have to recommend the donuts and coffee at DK Donuts. This place has been around forever and still serves some of the best and freshest donuts in town!
A’Tavola is one of our favorite restaurants in all things—from lunch to dessert! The atmosphere, the gourmet food, and the sweets make it a great place. They serve locally-roasted coffee from Dawson Taylor, and have a beautiful display of yummy goodies to choose from. If you are looking for a great dessert date or a place to meet a friend, stop here for unique and delicious pastries.
If you love taking the kids to get ice cream or milkshakes, make sure you get the best sundaes in town at Goody’s Goodies in Hyde Park, or head to Blue Cow or U-Swirl for a great frozen yogurt. Our Boise dentists and staff love Goody’s not only for their great ice cream and old-fashioned feel, but also for their excellent location. We love the historic neighborhood, full of antique stores and specialty shops for browsing, in addition to its several summer festivals and events. When you are wondering where to take your kids for a frozen yogurt, we love Blue Cow for their unique flavors like peppermint stick and eggnog, while U-Swirl is great with Candy treats like Reese’s frozen yogurt, in addition to having other seasonal flavors.
While we love to go out for a cup of coffee and a donut or ice cream, we also know the importance of taking care of our teeth after eating something sweet. It is always best to brush your teeth right away, but when this is not possible, at least swish with water and chew sugar free gum or mints, as this will help stimulate saliva flow to help buffer and clear the sugary treats.
We hope you enjoy a dessert from one of our recommendations! What are some of your favorite places to snack?