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Archive for the ‘Dental Insurance’ Category

Dentists Med Mal Provides Protection

Friday, July 3rd, 2015

Medical malpractice is the failure of a health care professional to adhere to the standards of care, skill, and treatment that others in their profession would provide under similar circumstances. If these standards are breached in any way, a patient may have legal recourse to recover compensation for any resulting damages.

As health care providers, dentists face numerous situations that could result in dissatisfaction regarding the results of the work they perform. Dentist’s med mal insurance will provide coverage in the event a case is being brought against a dentist who improperly performs dental work or surgery that results in a mistake or causes injury to their patient.

For example, a number of malpractice lawsuits involve any one of the following issues:

A misdiagnosis and surgery mistakes

Prescription errors

Elder care negligence, and

Failure to adequately know the law

Most dentists understand these risks and take precautions to avoid making mistakes that could lead to a malpractice lawsuit. They have assistants and nurses who are trained professionals to aid them during the course of most surgeries or other procedures performed that might be considered risky to the health of a patient. They do everything in their power to provide the best care possible.

While dentists cannot guarantee the success of any treatment or a specific medical result, they will likely be held accountable when their negligence leads to a patient’s injury. If an attorney determines that a dentist was negligent, the injured party may have a claim for medical malpractice. Malpractice laws are different from state to state and resolution can vary significantly in each state.

In preparing for a claim, most dentists should collect evidence, as well as medical files and other documents in their defense. Additionally, it is important to present any witness statements that may help prove that a dentist wasn’t negligent, and acted within the scope of what is considered “reasonable” care.

It is important to start correspondence with the insurance company as soon as it is evident that a claim will be filed, especially when an injury or impairment stemming from any dental work occurs. Dentist’s med mal insurance [] will ensure that the insurance company will do their part in providing the coverage that will remove any concerns that a dentist will have to pay court costs out-of-pocket, or possibly lose their practice altogether if a settlement amount runs in the hundreds of thousands of dollars.

Choosing Individual Dental Insurance

Thursday, June 16th, 2011

Dental insurance is similar to medical insurance in that you pay a monthly premium, and you are then permitted certain benefits. Where medical insurance is largely used for and geared toward taking care of people when they have an ailment, dental insurance is the opposite. Most of the premium benefits of dental insurance come in the preventative care aspect. Insurance companies often cover things such as examinations, bi-annual cleanings, and x-rays 100%, where other treatments are only partially covered. Many restorative, corrective, and emergency procedures are sometimes only covered by as little as 50%, leaving the customer to foot the remainder of the bill. This is why it pays to take advantage of the preventative care benefits that are offered with a dental insurance plan, on order to avoid hefty bills for emergency treatments later on.

If you work for a company that offer a group dental insurance plan, then you can receive benefits at a discounted rate which is based on the number of employees in your company. You might also have a few plan options, with greater benefits, or lesser benefits, depending on what you are willing to pay. You monthly premiums will also be deducted from your paycheck, so you do not have to worry about paying the insurance company directly for your coverage.

If you do not have the work-related option, and you want to invest in dental insurance for you and your family members, you can enroll in one of many individual dental insurance plans available. Depending on the individual dental insurance plan you choose and the plan options and limitations, the costs can vary. While you might see a discount that is based on the number of participants in the plan, the cost will likely be higher than with a group plan.

When trying to decide on an individual dental insurance plan, your research is key. The more you educate yourself on the different insurance companies and the dental plans that they offer, the better your benefits will be and the more money you will save in the long run. You can consult your regular dentist – if you have one – for recommendations of good individual dental insurance plans. And you can use the Internet as a research tool. The Internet can be a valuable resource that you can turn to for wading through different plans and their options, limitations, and costs. This will help you make a wiser decision on a plan that will suit you and your family’s needs better, and help to avoid confusion if there were a dental emergency in the future.

There are a few things to remember that apply to any kind of dental insurance, whether individual or group. Most dental plans only cover a portion of many of the more expensive procedures and treatments. That will cost you more money out of pocket. Also, going to a dentist that is not on your plan will probably result in discrepancies between the amount that the insurance company will cover and what the dentist charges for the service, meaning a bill for you to pay above your monthly premium. Therefore, if you have a dentist that you really like, try to find a plan that has him or her on the provider list to avoid most of the extra costs.