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Dental Utilization Review = Maximum Cost Containment !
PESC Administrators = very effective utilization review (UR)
Upon receipt, dental claims are carefully screened; those that pass
the screening criteria are processed and paid; those that do not are
routed for review by practicing PPO dentists who serve as dental directors
for PESC Administrators
Dental directors may request Xrays, perio charts, or other information
to determine if treatment was appropriate and covered as a benefit of
the plan; often, they call their colleagues to discuss the claims being
reviewed
Dental directors decide if alternate benefits should apply, billing
adjustments are warranted, or claims should be denied; their decisions
are reported on the Explanations of Benefits to patients and dentists
Denials can be appealed by dentists or patients by resubmitting claims
with additional supporting documentation
UR is performed on a weekly basis to avoid delays in claims processing
and payments to dentists
Dentists know that PESC Administrators operates an aggressive UR
program so they are less likely to submit questionable claims
Utilization review saves employers and patients money by:
Eliminating unbundling of services (dentists bill plans for one two-film
bitewing and ten intraoral periapical films for a total cost of $180;
these services constitute one full-mouth Xray series which are paid
at $86 saving the employer $94)
Insuring appropriate treatment (dentists submit for crowns on teeth
where Xrays show that two-surface fillings are all that patients need;
crowns cost $600 or more while two-surface fillings cost $74; employers
save $526 on these claims and patients' copayments are reduced from
$300 to $14.80)
Pro rating payments for treatment (dentists bill for a full quadrant
of scaling and root planning at a cost $130 but only treat 3 of the
7 teeth in the quadrant; payment is pro rated to 50% saving the employer
$65)
Enforcing plan exclusions (dentists bill $95 or more for electric
toothbrushes which are not covered benefits)
PPO dentists who are committed to providing patients with appropriate
care and maximum value for their dental dollars developed and now administer
PESC Administrators' UR program