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June 11, 2007

Family Dental Insurance: Learn The Basics Of Family Dental Insurance Claims Process

Do you know how to go about claiming the money for your treatment under your family dental insurance. This is a question I often get asked on the forums and through email. I decided to address the issue through this short article so everybody benefits.

When you sign up for your family dental insurance you can ask the agent to explain you the process of submitting your claims to their company. Get to know what documents you need to submit and the time limit for you do so. There will be certain limits like you have submit your claims within 30 days of getting treatment. If you do it after the date you will receive any benefits.

Usually the process is like this.

1. You fill the claims forms and send it to either the dentist or the dental insurance company itself.

This again depends on the rules of the family dental insurance company you have subscribed to. Some companies require the dentist to endorse your claims and forward it to them, others will accept it directly from you. So, follow the procedures laid out and don't be disappointed later on.

2. You will be paid a percentage of costs involved in your treatment. In your family dental insurance policy document schedule of payments or fees section you will see the percentage of cost that the company will bear for a particular procedure.

This may range from 20 to 100 percent of the cost. You are expected to pay the difference.

3. Again there will be restrictions in certain policies on the procedure to be adopted for a particular conditon.

Your dentist is supposed to follow the Least Expensive Alternative Treatment(LEAT). If your dentist follows the more expensive alternative which incidentally might be the correct option for your condition, the family dental insurance company will pay only a percentage of the LEAT costs. You are expected to pay the difference.

Depending on the treatment, the various clauses in your dental insurance policy documents, the exclusions and other limitations detailed in your family dental insurance policy document you will be re-imbursed on your claims.

Some types of treatment may not be eligible for any re-imbursement others may be fully re-imbursible. As I said it all depends on your dental insurance policy and the premium you pay.

In some policies the company, pays directly to the dentist. Others require to pay the dentist first and the dental insurance company re-imburses you later. As stated earlier you will not receive the full cost of your treatment but only a percentage of it.

The paperwork can sometimes be quite a pain in the neck unless you have all your papers in order. If you lose your receipts or forms get their duplicates from the dental office. Sending incomplete paperwork only prolongs the claims process.

Speak to somebody in the enquiries or claims department if you have doubts. Check out the faq's and terms and conditions to see that you are doing everything right.

Usually there is a period of time that you need to wait before you can start making claims for your treatment. This is called the Waiting period.

Hope this answers most of questions on the claims process in your family dental insurance.

For more details on dental insurance and dental plans visit:


http://www.a1-dental-insurance.com


Dental Insurance Plans


http://www.ezinemarketingcenter.com/dental-insurance/

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