Carlsbad Family Dentistry
Jeffrey W. Fruin, D.D.S.
John W. Fruin, D.D.S., Inc.
3257 Camino De Los Coches, Suite 306 Carlsbad, CA 92009
Home     About Us      Patient Services      Dental Resource      Dental Blog      Fruin Dentistry     Sleep Institute     Contact Us

The Challenge with Dental Insurance.

We sincerely believe that all dentists should view themselves as dental healthcare advocates for their patients.  A source of knowledge that helps people understand their ailments and help them get the best possible care for their dental healthcare dollar.

Unfortunately, modern medicine has morphed into a complex amalgam of various types of insurance, different types of medical care facilities, cost cutting measures, and even pre-existing disqualification of treatments.  Basically, 21st century medicine has turned into a business and treatments are often determined by insurance coverage not patient needs.  We know that some healthcare providers, particularly those reliant on specific HMO carriers, or run as large corporate medical / dental groups, can be squeezed into treatment plans that are determined by bottom line financial concerns instead of patient comfort and quality of care.

Do not accept care that is impersonal, distant, or inattentive to your concerns.  You deserve to be seen by a doctor who knows you, can talk to you, and will be available when you need to be seen.  Calling an office with an illness and being told you can be seen in a week is hogwash.  There are still dental healthcare providers who are on your side, they understand how to get the most for you from your dental insurance carrier, and treat you like friends or family.

At Carlsbad Family Dentistry at least 53% of our revenue is paid by dental insurance companies.  We do not accept any HMO contracts, but do accept some PPO’s and all indemnity plans.  Obviously, this source of income is very important to our success.

It is interesting to note, however, that many patients do not understand how their dental insurance works.  First, it is an absolute fact of the universe that insurance companies do not become fortune 500 companies by paying out more in benefits than they receive in premiums.  Face it, how ever much you pay for your dental insurance will be more than they give you to have your teeth fixed.

When patients of ours ask about getting dental insurance I always tell them that if their employer or some tax deferment plan, pays for the dental insurance it might be worth getting.  If they are going to pay for it themselves it is always better to just pay cash because all of their money will go to fixing teeth, not to the overhead of some gigantic insurance company.

Site design by:  Visions Unlimited   ©2009 all rights reserved