Insurance

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=128 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="041f0f21egerdp.jpg"> <div> <B><IMG SRC="042203c0.jpg" border=0 width="32" height="60" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B><FONT SIZE="6" COLOR="#66334C" FACE="Arial" ><B>Meyer Dental Group, p.l.l.c. </B></FONT><B> | </B><FONT SIZE="4" COLOR="#66334C" FACE="Arial" ><A HREF="index.htm" TARGET="_top" TITLE="Meyer Dental Group, p.l.l.c."><U><B>Home</B></U></A><B>   </B></FONT><FONT SIZE="3" COLOR="#66334C" FACE="Arial" ><B> </B><A HREF="id42.htm" TARGET="_top" TITLE="Patient Information"><U><B>Patient Information</B></U></A></FONT></div> <div> <A HREF="id46.htm" TARGET="_top" TITLE="How To Brush Your Teeth"><U><B>How To Brush Your Teeth</B></U></A><B>   |   </B><A HREF="id47.htm" TARGET="_top" TITLE="How To Floss"><U><B>How To Floss</B></U></A><B>   |   </B><A HREF="id35.htm" TARGET="_top" TITLE="Electric Toothbrushes"><U><B>Electric Toothbrushes</B></U></A><B>   |   </B><A HREF="id33.htm" TARGET="_top" TITLE="Infants Home care"><U><B>Infants Home care</B></U></A><B>   |   </B><A HREF="id30.htm" TARGET="_top" TITLE="Sealants"><U><B>Sealants</B></U></A><B>   |   </B><A HREF="id28.htm" TARGET="_top" TITLE="Tooth Bleaching"><U><B>Tooth Bleaching</B></U></A><B>   |   </B><A HREF="id31.htm" TARGET="_top" TITLE="Veneers"><U><B>Veneers</B></U></A><B>   |   </B><A HREF="id32.htm" TARGET="_top" TITLE="TMJ Pain"><U><B>TMJ Pain</B></U></A><B>   |   </B><A HREF="id36.htm" TARGET="_top" TITLE="Are Silver Fillings Safe?"><U><B>Are Silver Fillings Safe?</B></U></A><B>   |   </B><A HREF="id37.htm" TARGET="_top" TITLE="Periodontal Disease"><U><B>Periodontal Disease</B></U></A><B>   |   </B><A HREF="id40.htm" TARGET="_top" TITLE="Nitrous Oxide"><U><B>Nitrous Oxide</B></U></A><B>   |   </B><A HREF="id34.htm" TARGET="_top" TITLE="Root Canals"><U><B>Root Canals</B></U></A><B>   |   </B><B>Insurance</B><B>   |   </B><A HREF="id49.htm" TARGET="_top" TITLE="Bad Breath"><U><B>Bad Breath</B></U></A><B>   |   </B><A HREF="id50.htm" TARGET="_top" TITLE="Mouthguards"><U><B>Mouthguards</B></U></A><B>   |   </B><A HREF="id52.htm" TARGET="_top" TITLE="What Is A Crown"><U><B>What Is A Crown</B></U></A><B>   |   </B><A HREF="id53.htm" TARGET="_top" TITLE="Why Do I Need A Bridge"><U><B>Why Do I Need A Bridge</B></U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=1 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="040f2f02egerdp.jpg"> <bR> </td> <td valign="top" height=352 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="043f0f03.jpg"> <div> <B>Insurance</B></div> <div> Sometimes, employers offer dental insurance as part of their employee benefit package. Dental insurance is designed to pay for a portion of basic dental services, such as routine exams and cleanings.</div> <div> Your dental insurance policy is, in essence, a contract between you and a third party - typically an insurance company. That contract is coordinated by your employer or union (the plan's sponsor). Your dental insurance coverage is negotiated between the plan sponsor and the third party; the sponsor agrees to pay a certain insurance premium, and the third party agrees to provide a specific level of dental coverage in exchange for that fee. Unfortunately, <U>we have no control over this contract</U>, and we cannot request additional coverage for you. </div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Dental insurances typically cover only basic, lowest quality materials and services</B></div> <bR> <div> Your insurance plan was not designed to pay for optimum dental care, and rarely do dental plans cover 100 percent of any dental fee. Usually, only the least expensive treatments and materials are covered in part, and you are expected to pay the remaining portion of the fee. </div> <bR> <div> The least expensive treatment may not be the most durable, long-lasting and beneficial treatment choice for you or your family. For this reason, it's common for our patients to choose higher quality treatment that's not covered by their insurance, and pay the difference themselves. This option usually saves money in the long run, as newer, better quality materials last longer and offer better appearance and improved performance.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Newer treatments labeled 'discretionary' are typically not covered</B></div> <div> <IMG SRC="0dea77d0.jpg" border=0 width="167" height="125" ALT="Insurances Usually Only Pays For The Basic, Least Expensive Treatment" ALIGN="LEFT" HSPACE="0" VSPACE="0">Many dental treatments, even those that are now considered routine or mainstream, are still not covered by most dental insurance plans. These include: </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f04c336600.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Dental implants </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f04c336600.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Porcelain veneers </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f04c336600.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">White fillings </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f04c336600.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Bonding </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f04c336600.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Tooth whitening </div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Your annual maximum dental benefit is based on 40-year-old fees</B> </div> <div> <IMG SRC="0dca77d0.jpg" border=0 width="167" height="125" ALT="Dental Benefits Have Not Been Raise In 40 Years" ALIGN="LEFT" HSPACE="0" VSPACE="0">Your dental insurance has an annual maximum benefit amount; your coverage will end each year once this maximum has been paid. Unfortunately, the maximum benefit amounts paid by most insurance companies have not budged in 40 years, despite the fact that dental fees (and the cost of living index) have tripled or even quadrupled during this time! What does this mean to you? It means your dental insurance dollars entitle you to only about 25 percent of the coverage you would have gotten 40 years ago.</div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>We can help you maximize your benefits</B></div> <div> <IMG SRC="0dda77d0.jpg" border=0 width="167" height="125" ALT="We Will Be Happy To Talk With You About Your Coverage" ALIGN="LEFT" HSPACE="0" VSPACE="0">How can you make the most of your dental insurance coverage? Our team will be happy to help you plan your treatment so you use your benefit to its utmost each year. We can also help you choose financial options that will help you receive the finest in dental care.</div> <bR> </td> </tr></table></body>