Important message from Dr. Richard L Lepard

If you don't act soon, you will lose remaining 2010 Insurance Benefits! Your flex benefits may vanish too! Here's what to do: Plus how you can save on your dental care.

individual-dental-insurance-plansBelieve it or not, our very own patients lost over $500,000 in dental insurance benefits last year. Add FLEX benefits (flexible health care spending accounts) and that number almost doubles! How could it be that honest, hard-working people could lose about one million dollars that were meant for them?

Well, it's actually fairly simple. Dental benefit plans and flex plans do NOT allow you to "roll over" any unused benefit dollars beyond December 31st of the current year. For example, if you have $500 of benefits left, and you don't use them to help pay for your dental treatment by the end of this year, you will lose $500 that you could have applied toward your dental care--just by getting it done in 2010.

You've got to "use it or lose it" ...Call by Wednesday, December 1st, 2010 and receive $100 credit to use towards dental treatment completed by December 30th. (call for exact details to see if you qualify) Your appointment can be anytime between now and December 30th!

It's as if your insurance company puts a small pile of money on the table for you to use in 2010. But at the end of the year, you don't get to keep all that money. Instead, they reach over and pull all of YOUR money off the table and put it in THEIR bank accounts! Sounds criminal, but it's legal and true!

Many of our patients don't realize that this is actually what happens. Others do, but usually not until it's too late to schedule an appointment in 2010. Also, since we are closed for the Thanksgiving and Christmas holiday and a few days in between, it can quickly become almost impossible to schedule something between now and the end of the year.

Rather than waiting until the last minute and losing a chance to use your benefits, we encourage you to act on this reminder today. Call 214-771-3130 by December 1st to take advantage of this offer. We thank you for being our patient and we wish you the best through the rest of 2010 and beyond.

Some Ways That Our Patients Have Managed Their Costs and Completed Their Care:

  • Using cash (5%), Credit (5%), and senior (5%) discounts for payment in full to reduce the cost.
  • Based on prior credit approval, in-office financing terms of 3 months (interest free)
  • Interest Free Dental financing. We have several companies that can finance up to $50,000 for care and in some cases even more based on your credit history.
  • MasterCard, Visa and Discover time payments
  • Budgeting for your care over 2 years to make it more affordable.
  • We also offer a "cruise plan." You pre-pay every two weeks until you build up a balance to start.
  • Home equity loans; we can recommend several mortgage brokers to se this up.
  • Loans from 401K/Pension plans (you pay yourself the interest); we can help start this process with your employer.
  • Loans from life insurance/annuity policies; our accountant's office can help with this.
  • Our team can help you discover 20 other creative ways to help finance your desired dental treatment.

Dental Insurance usually pays a maximum yearly benefit of $1,000-1,500 for your care. Medical insurance rarely covers anything related to the mouth. In the highly unlikely event that your company administers its own plan (self-insured employers), your company administrator might allow for your dental care; your company would know the specifics. Even though the latest dental technologies are considered medically necessary and are significantly proven, dental plan coverage to rescue the worst dental disaster patient hardly touches what is needed to get you back to the healthy life of eating and self-confidence you deserve. The objective of the insurance company is to give you the cheapest possible care. This seldom provides for anything beyond basic generic emergency based treatment which is not what Dr. Lepard is all about. We can and will, however, help you maximize coverage owed to you.

No question, we're going through some very topsy-turvy times. The markets are gyrating like crazy, many jobs have been lost and are in question, and employee benefits are being cut left and right. It is my firm belief that things often are not as bad as they seem. However, now may be the best time to invest in your health! If you have unmet dental needs, you can SAVE on future, more expensive dental expenses by getting those needs taken care of now. Untreated dental problems often have no symptoms, but they always get worse over time. Call us today to take advantage of the great offer listed above. Your teeth and gums will thank you for it and you will be healthier overall! Call between now and December 1st to reserve your time! But remember the appointment can be anytime between now and December 30th.

Enjoy the Holiday Season!

Dr. Richard Lepard and team