Monday, April 27, 2009

By law do dental offices need to tell you that your insurance company has been dropped?

Dentists bill insurance as a courtesy to their patients. Unless they are under contract with an insurance carrier, they don't have to accept insurance at all.





Your insurance is between you, your employer, and the insurance company.





HOWEVER.....if a dentist has been accepting a certain insurance plan and decides to no longer do so, MOST will send out a letter informing patients of this. It's not required by law, but it is a common practice just to avoid confusion.





It is NOT in the dental office's best interests to mislead patients or to trick them into coming in when they have no insurance coverage. What reason would they have for doing so?

By law do dental offices need to tell you that your insurance company has been dropped?
THE DENTIST IS NOT BOUND BY LAW TO INFORM YOU THAT THEY ARE NOT ACCEPTING A DENTAL INSURANCE THAT MAY COVER YOU.
Reply:I would think your insurance company would send a letter. or through your work. Now you have to call dentists to find out who accepts your plan.
Reply:No...YOU have the dental insurance. Your employer should tell you.


Is the question maybe that the dental office "use to be a provider" to your insurance, and now they aren't? If so, yes....they should have told you before starting any work.
Reply:No it is a courtesy that the dental office even bills your insurance company for you, ten years ago it was completely the patient's(insurance holder) responsibility. It would have been nice if the office gave you a heads up since they dropped the contract with the insurance company but it's not required by law.
Reply:NO.
Reply:No. In most cases they don't know unless a claim has been returned to them by the insurance company. It is the patient's responsibility to keep up with their insurance.





If insurance coverage has been dropped or denied, the financial responsibility is the patient's.


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