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Why doesn’t my insurance cover everything I need?

added on: March 23, 2012

Your dental insurance is actually more closely related to a flex account than it is to medical insurance. Coverage is governed by contracts that each employer creates individually with a dental benefits carrier. The rules of the contract dictate what is covered; medical necessity is not taken into account. Insurance is still a wonderful benefit to have, but it’s important to realize that it is limited to assisting, rather than covering, the cost of your care.

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