February 8, 2010 8:04 AM Subscribe
Does what my dentist's receptionist told me re: dental insurance and my deductible make sense?
posted by oinopaponton to health & fitness (12 answers total)
I just got my teeth cleaned, and my dentist wants to do a couple of preventative fillings and replace a bigger, old filling. The receptionist told me how much this should cost (~$75 if I go with silver for the big filling, ~$150 if I go with white) and then said something that really confused me: because my insurance deductible is $50, they're going to charge me an additional $50 on top of the price of my fillings.
Does that make sense? I always thought that the whole point of a deductible is that I don't pay anything beyond it (and that in this case, my insurance should be covering anything over $50). I was like, "Whaaat?" to the receptionist, and all she could say is, "That's what the insurance company tells us to say."
This is my first dental insurance plan, so I fully accept the possibility that I might be wrong about this, but is this the way dental insurance works? Are dental deductibles really an additional charge on top of the price of the service? If it matters, I have Delta Dental Premier coverage in Massachusetts.