Keeping track of your insurance payouts can be difficult as it is, but Reddit user SpazMcMan points out an interesting facet of dental insurance you might not have considered: you may have unused credit from your insurance company if you pay part of your bill up front.
The basics are common with some insurance companies, here's how SpazMcMan explains it:
The insurance company pays based on a statement of work submitted by the dentist, and they may or may not know what you already paid, which is why they send you the claim information after it is paid. In case of an overpayment, the dentist is supposed to credit your account or give you a refund, but the point is the process isn't always automatic. If you know a dentist that does this, that's great. My point isn't that all dentists are crooked?my point is, it's your job to double check.
If you go to a dentist where you're doing co-pays at the time of service, that payment may not get communicated back to the insurance company. In effect, you may have a bit of credit on your account that nobody is noticing so it's good to compare the bill you get from your dentist at the time of service and the claim form you get later from your insurance company to make sure there was no overpayment. If there was an overpayment, you should call your dentist to check and make sure they have that information on file. Photo by Herry Lawford.
LPT: If you use dental insurance, your dentist often owes you money after the claim is paid | Reddit
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