How To Make More Vision And Dental Insurance By Doing Less

More plans we see it much more often than not and so just kind of understand that that secondary Vision And Dental Insurance may not  be a lot of use to you now there is one situation where it would be and that  would be if you needed just a ton of stuff and you needed it all in one year and you used up all of the benefits of  the primary then we could file it to the secondary and then it could benefit you so I’m not saying it’s never useful you  know but just kind of understand how that clause works and and you can kind of decide if it makes sense for you so that’s the example that I gave

predetermination of benefits otherwise known as a pre-authorization that’s a very common term with medical insurance right if you’ve ever been admitted to the hospital almost always they’ve pre-authorized all manner of things before you ever go in because they want to make sure they’re going to get paid by the insurance company unfortunately the dental insurance world doesn’t work  quite like that they do offer what’s called a pre-authorization but unfortunately when we send in that paper they take several weeks to respond which if it’s an elective procedure and you have several weeks to wait that’s  fine but if you are in pain and needing a root canal today waiting several weeks is not ideal but even if we do go through the process and the form and they reply they send us a nice little letter that says you know

Yes miss Smith  has % coverage for okay or % coverage for root canals but then at the bottom in fine print usually in italics with a little bitty asterisk next to it it will say and I quote this is not a guarantee of payment no payment decision will be made until the services are provided and the claim is received that sounds an awful like to me like we’re not promising to pay anything you know so ultimately even when we do send in that form and we do get that pre-authorization it’s really not an authorization it’s really just restating what’s already written in your handbook anyway that you have % coverage for a route now