Resources

Like all policies, dental insurance is loaded with limitations and exclusions. This is an intentional maneuver by insurance companies. Regardless if the policy is an individual or group plan, it’s important to understand what is and isn’t covered. Navigating this labyrinth requires skilled experience. The staff at Montrose DDS are experts and know just how to maximize your dental insurance benefits, while minimizing your out of pocket expenses.

Did you know it’s better to begin an implant toward the end of a policy year rather than the beginning? The complexities inherent in dental insurance policies is made easier by the staff at Montrose DDS. 

We can help. Let us know how.

Flexible Spending and Heath Savings accounts have similarities and differences. They are similar in that they both allow you to pay for medical, dental and vision expenses that are not covered by insurance. They differ in that Flexible Spending accounts have a "use it or lose it" policy while Health Savings accounts do not. 

Health Savings accounts are linked to high deductible medical plans and help defer the deductible costs. When an employee chooses a high deductible medical plan they are given the option to set aside a portion of their payroll into an account to pay for medical expenses. This has become a popular option for many employers because of the cost savings realized in lower premiums. Some employers are using these savings by contributing directly into the employees Health Savings accounts as an incentive to enroll in a high deductible plan. 

Flexible Spending accounts allow the employee to set aside money for expected medical expenses. It is very important to have an accurate estimate of medical expenses when using a Flexible Spending account because any unused portion is forfeited at the end of the plan year. Many patients rely on Montrose DDS to provide counsel on upcoming out of pocket dental expenses.

We get this questions daily. Montrose DDS thinks it’s more accurate to ask, "Which coverage is best, for you?" Surprisingly, the cost to own dental insurance is often more than the actual care.

We like to approach the dental insurance with you at the center. It's important to understand you history of dental care so it can be aligned with the needs for insurance. 

Regardless if you're getting ready to retire, trying to decide between two or more group plans at work, considering an individual policy, or questioning whether to pick up Cobra, then it's time to contact Montrose DDS. The  staff at Montrose DDS have 25 years of insurance experience and can quickly assess your needs and help you decide which coverage, if any, is best for you.