It’s not news that employers have reacted to the rising costs of health care benefits by shopping carefully for the insurance policies that they offer their employees. Benefits are down, and restrictions and exclusions are up — and patients can become understandably frustrated.
Adding to the frustration is the fact that dental benefits are often represented as being comparable to other types of insurance, which isn’t the case. By definition, “insurance” is protection against unpredictable or catastrophic loss. But most dental insurance policies specifically exclude extraordinary needs. The things offered as benefits are not only predictable, but expected, such as routine exams, X-rays, healthy cleanings, etc.
In addition, policies that do offer a benefit of other common services, such as crowns and treatment for gum disease, provide them at a much lower percentage of the actual cost of providing that care, and with a low dollar limit per year.