Dr. Stephanie Steinmetz Pediatric Dentistry Vestavia Hills

Dental Insurance

Dr. Steinmetz's goal for your child is high quality preventive dentistry. We are not a volume practice.  She and her staff spend a great deal of time educating the caregiver and the child about healthy eating, good dental habits and how to have excellent dental health. Her goal is for your child to be as cavity free as possible and look forward to visiting the dentist. It is vitally important that children have a positive dental experience at a young age so they will have a lifetime of good dental care. Unfortunately, many dental insurance companies do not share Dr. Steinmetz's  preventive dentistry philosophy. Most dental insurance companies have restorative dentistry (fillings, crowns, root canals and extractions) as a priority. 

Dr. Steinmetz has spent countless hours trying to educate the dental insurance companies about the beneficial nature of preventive dentistry for both the patients and the insurance companies. At this point the dental insurance companies only look at the bottom line. Most dental insurance companies are in business to do what is best for them and not the patient. Preventive dentistry is vitally important for a child to grow up and not be concerned about going to the dentist.  

Having dental insurance or a dental benefit plan can assist in seeing the dentist. However, most benefit plans do not cover all dental procedures especially preventive dental procedures no matter who you select as your provider. 

 

When deciding on your child's dental treatment and dental provider, dental benefits should not be the only thing you consider. Your treatment should be determined by you and your dentist, remember that your health is the most important thing. 

Dental insurance is one part of your healthy mouth plan. Work with your child's Pediatric Dentist to select the dental care that is best for your child so they can have a cavity free smile and teeth that last a lifetime!

 

Your dental coverage is not based on what is best for your child or your dentist's recommendations. It is based on the premium select (the rate that is paid to the dental insurance company). To get premiums as low as possible some dental  insurance companies drop all preventive procedures.   If you are being given no freedom of choice in provider that also indicates a lower premium and a significantly reduced rate to the  provider on "the list". If your provider is receiving a significantly reduced rate it is challenging for the provider to provide quality care. The provider is being told exactly what they must do to get reimbursed rather that what is best for your child.  So that dental insurance companies can be competitive and offer the lowest premium possible to the patient they eliminate coverage. Important preventive dental procedures that children need are typically eliminated. An example of this is Fluoride treatments once a year rather than the recommendation of twice a year to prevent cavities.


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Dr. Steinmetz is now accepting Cigna Dental Insurance.           

Dr. Steinmetz is working closely with BCBS.  Currently she strongly disagrees with their lack of preventive dental coverage. If you have BCBS and would like to see Dr. Steinmetz please call our office and we will review your policy for dental coverage. 


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