Fully trusted Delta dental insurance plans of companies in 2022
Delta dental insurance: Hey guys it’s dr. Nate, here again, I thrived on unorthodox and today I’m with Chelsea and we’re gonna be talking some insurance, okay so I’ve been working with Chelsea for a very long time she has an insane knowledge about insurance and orthodontics and now she’s gained more into the general dentistry but we’re gonna try to probably focus mainly on Delta dental insurance maybe dabble
into general dentistry just a little bit okay so I want to give you guys a little kind of background here of how this works so we have patients coming in they get their exam done I see them I let them know how long do treatments gonna be I tell them if we need any appliances if we’re gonna
do any extractions if we’re gonna do anything fun like that and then this lady takes over so I have a couple of questions for her because I don’t know the ins and outs of this stuff as well okay let’s go with the hardest question I think this is the hardest question first what okay somebody comes in and they have two different delta dental insurances so they have two different Delta dental insurance how do we determine which
one we’re going to use can we use both of them is one a primary-secondary how does that work so typically we contact the insurance to check which one will be primary secondary they typically will know most of the time it’s gonna be whoever has the birthday month earliest in the year
that’s typically primary so the mom or the dad who has the birth month first yes they have the same month they go with the day if they have the same day they go with the year, okay so we don’t go hey this insurance I have three thousand dollars of benefit and this one I just have one thousand let’s use two 3000 as primary exactly yeah okay I’ve tried that a lot of times they’ll deny it and you request the money
back or something like that they always end up finding out there’s two Delta dental insurance and then one of them ends up saying no they tell you which is primary secondary that’s interesting so the insurance is actually they talk to each other is there as an intern like a national//Delta dental insurance//
database technically when we get their primary secondary it’s entered in our system so when the claim goes out it says legally if we are not putting primary secondary back, okay so we got the primary secondary so say we have in a primary we have three one thousand dollars worth of insurance that we can use out and then when do we know like when do we know if or when the secondary is ever gonna kick in
does it kick in like hey once that $1,000 is fully paid or does it kick in yeah wasn’t it good so we usually will we file a primary it’s all electronic so it goes the same day out then once that primarily sends us the payment we take that an OB or the explanation of benefits and send
it to the secondary and once they receive that knowing the estimate about primary sedima they send us a payment oh so you don’t have to fully pay out the first one no oh okay okay so we got primary secondary no that’s a question a lot of people have to ask okay so anyway I
come in do the consult you do your thing how does a typical console for your work so you go over the finances like what are the finances you’re going over what are some of the differences between like maybe metal braces clear braces yeah what do you typically tell patients usually we go over the three options if they’re eligible for metals silver I call it silver but we say metal wind or silver clear and Invisalign we
go over the payment options available with the total price is going to be sorry to interrupt what’s the most expensive typically Invisalign is expensive people don’t often know that but Invisalign is definitely the most yes okay insurance will ok 99.9% I’m only paying the same benefit they would pay based on the metal or silver bracelet so whether the fee is higher and biplane higher for clear they’re typically only
going to pay what they would pay for the memo a lot of times people are like no it’s 50% why aren’t they paying 50% or why you know whatever the benefit level but it doesn’t always apply because they don’t pay that cosmetic hungry Oh interesting, okay so it doesn’t matter if you then fee
is more it won’t matter than sure it’s gonna pay the same out, yeah so we say cool you’re the patient or the kid or whoever it is they want metal braces for us what are our options first and foremost as we do offer a friendly discount if you’re planning to pay in full which a lot of people well some people don’t know that you can use health savings and flex pinning for that so you get a tax benefit and you
get a discount for paying in full you can mix and match cash credit healthy things like spinning and then our second option is Care Credit and that one you get up to 12 months there’s no interest there’s no down payment so you get braces put on and not even pay a dime then y
You have our in-house option and our down payment for braces typically starts at 399 and our down payment forbids line kind of ranges because it depends what level of a mizzling you are yeah but it can be anywhere from 800 to sometimes 1300 just depending on what level of benefit you have let’s talk about Care Credit for a minute yeah I don’t know this actually what is there okay say their out-of-pocket is like
two thousand or so yeah do we know is there like a specific credit score that they’re looking for or like income level that we don’t know that they it’s a few things they look for your history they look for your they do look it for your level of credit and then they look for your monthly income but the monthly income and a lot of people don’t know this too when they’re applying they look for your total household in oh that’s not just yourself it’s all money that can be placed or bills and so whenever plugging that in but I do know the minimum credit score is very reasonable.
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