“I wanted the patient to know that WE DID CARE, so I called her regularly over the next five months,” Kristine said. [ EVERY DENTIST DREADS... A patient went to see her dentist for a filling — a procedure many patients find painful. The dentist started by explaining what the patient should expect. After the procedure, the patient got angry because her tooth hurt. The dentist was frustrated that the patient seemed to have unrealistic expectations despite his explanation. Fearing a claim was in the works, the dentist called DBIC. When Kristine answered, she first reassured the dentist that she would take care of every detail from here on out. Then she phoned the patient, telling her that the dentist cared about her experience and that she wanted to hear the patient’s side of the story. Sometimes just talking to a skilled mediator like Kristine can help patients work out some of their frustration. So, Kristine listened patiently, and then described how a filling works — and that they often hurt. DO YOU HAVE A KRISTINE IN YOUR CORNER? Call today for a free, no-obligation consultation with one of our practice protection experts. If you find yourself in a sticky situation, you can count on DBIC to help get you out of it. 866-280-1497 Dental practice protection expert Kristine Smith has over 20 years experience with more than 6,000 claims under her belt. HOW TO DEAL WITH THE SITUATION 811020 (5/09) Covering every angle, Kristine contacted a lawyer about the potential claim and got answers back right away, putting the dentist’s mind at ease. In the end, the patient settled for $500, saving the dentist thousands, keeping a claim off his record and saving him the time and stress of a trial. At DBIC, we only hire people like Kristine. Whether you call in need of help or just an answer, we’ll get right back to you. If it’s a claim, we’ll present it to a roundtable of experts so that you get a solid result based on experience. If it’s legal advice, we can often get you an answer the same day. When you choose DBIC, you’ll get all the benefits of a dentists- only, comprehensive risk management practice combined with a commitment to doing what’s right for your business. ]
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“I wanted the patient to know thatWE DID CARE, so I called her regularly over
the next five months,” Kristine said. [
EVERY DENTIST DREADS...A patient went to see her dentist for a filling — aprocedure many patients find painful. The dentiststarted by explaining what the patient should expect.After the procedure, the patient got angry because hertooth hurt. The dentist was frustrated that the patientseemed to have unrealistic expectations despite hisexplanation.
Fearing a claim was in the works, the dentist called DBIC.When Kristine answered, she first reassured the dentistthat she would take care of every detail from here on out.Then she phoned the patient, telling her that the dentistcared about her experience and that she wanted to hearthe patient’s side of the story. Sometimes just talkingto a skilled mediator like Kristine can help patientswork out some of their frustration. So, Kristine listenedpatiently, and then described how a filling works — andthat they often hurt.
DO YOU HAVE A KRISTINE IN YOUR CORNER?Call today for a free, no-obligation consultation with one ofour practice protection experts. If you find yourself in a stickysituation, you can count on DBIC to help get you out of it.
866-280-1497
Dental practiceprotection
expert KristineSmith has over
20 yearsexperience
with more than6,000 claims
under her belt.
HOW TO DEAL WITH THE SITUATION
811020 (5/09)
Covering every angle, Kristine contacted a lawyer about thepotential claim and got answers back right away, putting thedentist’s mind at ease. In the end, the patient settled for $500,saving the dentist thousands, keeping a claim off his recordand saving him the time and stress of a trial.
At DBIC, we only hire people like Kristine. Whether you call inneed of help or just an answer, we’ll get right back to you. Ifit’s a claim, we’ll present it to a roundtable of experts so thatyou get a solid result based on experience. If it’s legal advice,we can often get you an answer the same day.
When you choose DBIC, you’ll get all the benefits of a dentists-only, comprehensive risk management practice combined witha commitment to doing what’s right for your business.
]
A husband and wife’s dentistry practice was hit witha bogus claim. They felt wounded, angry and worried— they knew it was unfounded, but what were theysupposed to do? They didn’t think they had a leg tostand on.
When the couple called Bob Petty at Dentists BenefitsInsurance Company (DBIC), their insurance company,first he told them not to worry — this kind of thing canhappen to any dentist. Second, he reminded themthat their fight was his fight, and he would handleeverything.
As soon as he hung up, he called the patient’sattorney. He took all of the details, and then Bob wentto bat. He called the attorneys daily with questions todebunk the claim, spending hours on the phone andconducting research. Ultimately, they were drivenaway — without the truth to stand on, they had nochoice but to tuck tail and slink away.
The dentists later told Bob thatwithout his determinationand persistence, they would have agreed to settle theclaim out of their own pocket, just to make it go away.
“NO WAY,” Bob said. “WHEN OUR DENTISTSARE IN THE RIGHT, WE FIGHT.”[ [
DO YOU HAVE A BOB IN YOUR CORNER?Don’t put your practice at risk. Call today for a free,no-obligation consultation with one of our practice protectionexperts. When the unexpected hits, you’ll be preparedwith DBIC.
866-280-1497
Dental practiceprotection
expert Bob Pettyhas 15 years
experience withmore than
13,000 claimsunder his belt.
DENTIST MUST BETHE ONE THING EVERY
PREPARED FOR...
800961 (3/09)
A dentist never expects a client to file a claim. But if it doeshappen, you can breathe easy because at DBIC, we only hirepeople like Bob. You’ll get our direct numbers, we’ll pick upwhen you call, and if we’re on the other line, we’ll call you rightback. We’ll also answer your questions when you just don’tknow who to ask.
With DBIC, you’ll get all the benefits of a dentists-onlycomprehensive risk management combined with acommitment to doing what’s right for your business, evenwhen it costs us more.
A BUNDLE ON HIS BOTTOM LINE...
Fearing he was over-covered — and over paying — withhis current insurance, a dentist realized he should get asecond opinion. He couldn’t afford to spend too much,but he’d heard firsthand from colleagues that disastersand claims happen when you least expect them.
When Teresa at Dentists Benefits Insurance Company(DBIC) got the dentist's call, she told him not to worry —over paying happens and calling for a second opinionwas the smartest move he could make. She thenhopped in her car and drove to his office for an apples-to-apples comparison.
Looking at the dentist’s current policies, Teresa foundthat he was well-covered for building and insurance. Butshe also noticed that his disability income insurancewas very low, leaving him vulnerable if he ever had anaccident that left him unable to work.
In addition, Teresa learned that the dentist was anODA member in good standing.
“That right there saved him 10 percent on his disabilityincome insurance. I dug a bit deeper and found that wecould get his entire premium returned,” Teresa said.
“We were able to make a PRETTY BIGDIFFERENCE in his bottom line.”
DO YOU HAVE A TERESA IN YOUR CORNER?Are you sure your coverage fits your practice? Call today fora free, no-obligation consultation with one of our practiceprotection experts. If you’re not positive you have the rightlevel of coverage, count on DBIC to make sure you’reprotected.
866-280-1497
HOW ONE CALL
811021 (4/09)
In the end, Teresa recommended that the dentist stick withFarmers Insurance Group for building and insurance. Hemoved his property and professional liability insurance toDBIC, increasing it to the level Teresa advised. And best of all,he now had peace of mind that his coverage fit his practice.
At DBIC, we only hire people like Teresa. When you call for anassessment, we’ll give you an honest review of your policiesand what we can do for you. Choose DBIC, and you’ll get allthe benefits of a dentists-only, comprehensive riskmanagement practice combined with a commitment to doingwhat’s right for you and your business.
[ [
SAVED A DENTIST
Dental practiceprotection expert
Teresa Johnsonhas more than 15
years of experience,including 11 years
serving DBIC dentists.