Wednesday 13th of February 2019 12:03:54 AM
I received a bill from my dentist for $124 after United Healthcare Dental paid their share. The website shows the same coverage percentages for in network and out of network providers. I wrongly assumed the amounts covered for basic services (cleaning, x-rays and exam) would be comparable. I called United customer service and they said the percentages on the website were based on the amounts United covers, not the amounts billed by the dentist. It would be very helpful to those of us on a fixed income if we had honest, easy to understand coverage information before we attempt to use the insurance. There would be no way to tell how much United would cover unless they have “codes.” When I called the dentist, they stated they can’t tell me either until they submit the relevant information and codes to United. Unfortunately, the in network dentist I used to go to was terrible. My options are to pay much more each month for better coverage, drive 40 miles and see if I can find a decent dentist in network, or pay more for dental services. Like most health insurance in the US, if you are poor, you are screwed.