How do you find a decent dentist that will accept your insurance as full pymt?

Need major dental work, & unable to find financing. Dental est. was aprox 3,000.
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To add to HeatherS above... Many dentist sign agreements with insurance companies which limit your out-of-pocket expenses. They may pay 50% or 80% of the cost of a procedure, but it will be 50% or 80% of a predetermined amount, and not what the dentist charges... you pay your share of what the insurance company allows, and the dentist writes off the difference... Example: The dentist charges $150 for a certain filling and you have 80% coverage. The insurance company allows only $100 for that filling. They will pay 80% of $100, and you pay 20%, or $20 of the $100... the extra $50 the dentist wants to charge is written off... To find a dentist who has made such an agreement, try calling your dental insurance... they may have a list they can send you. You can also call a dentist and ask if they are a PARTICIPATING PROVIDER with your insurance. USE THAT TERM, since most dentists will say they accept your insurance, but if they don't PARTICIPATE, they can charge that extra $50 I mentioned above to you... Be careful you don't go over the benefit maximum for your year... if you do, you make up ALL the difference... contact your insurance company's Benefits depaartment to clarify what is and isn't covered and what the % of coverage is. Best, Ed, RN
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