Melee:
Hi Dr. Stein,
Thanks for the advice. I will definitely fight it if they deny my claim for the work that needs to be done to my tooth, and this time, I'll be more dilligent about it. It took over a year before they would pay a portion of my initial work, and by that time, it went to collections, so I was forced to pay the residual. I guess that's what insurance companies are also hoping, that they defer payment until your credit goes bad and then you're obligated to pay.
Mel
Hi Mel,
It's important to understand that your contract for dental insurance is between you and your insurance company. Any services provided to you is by your dentist and as such, if you owe him money, then it is between you and him.
The insurance company's only obligation is to honor their contract with you. If your dentist provides services that are not covered by the insurance company, the bill is still yours to pay in a timely manner...no matter if you think the insurance should have paid.
This is one of the great misconceptions about dental coverage. Unless you are a member of an HMO, and even they have exceptions like copayments, your insurance contract and you dental provider are different entities and neither is responsible for the other.
If your dentist cannot receive payment from your insurance company, YOU, are responsible for the entire bill. Any copayment to your dentist is collectible at the time service is rendered...not after insurance has paid. Your dentist has overhead and lab bills due each month for treatment rendered to you and other payments. If he had to wait 3-6 months for any payment, he would be out of practice very quickly.
Try to get your car out of the mechanics shop without paying when you pick it up following repairs. Even if you have a service contract or warrantee work, you have to pay any non-covered expenses before the mechanic gives you the keys.
When possible, we would like to get preauthoriztions indicating that the insurance company will pay for a portion of treatment. This is not always the case. Even with pre-estimates, the insurance company may change its mind and they tell you this on the pre-treatment estimate.
All this being said, I understand how it is possible for an expected insurance payment to screw everything up. It is to the insurance companies advantage to delay payment or deny a covered claim just to see if it "falls through the cracks". The best that can happen is nobody complains and they don't pay. The worst that happens is they have to pay using a portion of the premium they contracted with you for to cover the expense you hoped you wouldn't incur. In the process, they don't care if they screw up the doctor/patient relationship.
I hope you were able to patch up things with your dentist.
Regards,
Larry Stein