Often, it is asked by our patients whether particular dental treatment will be covered under dental insurance or not or kind of surgery or procedures their insurance provide security of. Other than basic diagnosis and minor treatment, major dental treatments like root canal, jaw and neck surgery, braces and periodontal treatments are bit expensive and it is necessary to be aware of price and actual coverage under medical insurance, before proceeding.
Furthermore, modern lifestyle, not consuming food that contains calcium, vitamins and minerals creates different problems in today’s generation even following good habits of brushing on a daily basis. One may need to undergo through various dental treatment or surgery which are expensive and having dental insurance and the right information is necessary at the time of enrolling with any insurance firm.
In this post, we have tried to explain some basic procedures and connection to these procedures with dental insurance. So, it becomes easier for you to select the right insurance plan and understanding the benefits covered under that plan.
Preventive Dental Care:
Most of the insurance companies provide coverage for routine checkup and dental cleaning in their insurance plan. So, you can have a free check up and cleaning at certain interval of time in a year, as specified in your dental insurance plan.
Apart from that, pre-formalities like examining the fluoride level and x-ray sealants aren’t considered as preventive measure and may not get covered under insurance.
Certain companies also have partnered with specific dental care centers and hospitals, you also need to check whether there is a center located nearby your suburb or not.
Treatments for Tooth Restoration:
When your tooth is damaged heavily due to decay or any other condition which requires treatments like root canal, wisdom tooth removal, tooth extraction or dental fillings for its restoration, it is majorly covered under an insurance plan.
Most of the insurance plans are divided in two types, general/preventive dentistry and major dental surgery. So, according to your plan, various procedures may or may not get covered.
One thing should be noted, in certain plan, the consulting cost with the dentist or surgeon may get covered by your insurance but the additional cost of crown, filling material or denture may or may not get covered. So, need to ask insurance customer support or agent for the same.
Generally, to cover the surgeries like dental implant, crown and bridge treatment for multiple teeth, partial or full dentures are considered as a major tooth restoration treatment and aren’t covered under the basic insurance plan. You need to consult with your agent and collect precise and complete information about all these situations and the scenario.
Orthodontic Care:
Treatment for orthodontic braces costs 5000-10,000 $ or more depending on the type of braces and technology used along with performing basic dental procedures.
Certain insurance provider also considers braces under cosmetic treatment and isn’t covered under the basic insurance plan.
Gum Disease Treatment:
Basic procedures for conditions like plaque, gingivitis or gum infections are covered by insurance. Albeit, you may need to pay extra in conditions like laser treatment or gum regeneration procedure. Basic plan may just cover the consulting fees and one may need to pay extra for additional major treatment.
Cosmetic Treatment:
Cosmetic treatment like teeth whitening, laser treatment, veneers, crown, dental implant (in certain condition) and all other procedures which are meant to improve the cosmetic appearance of your teeth, aren’t covered under the basic insurance plan.
While buying insurance for a specific procedure or knowing whether your health insurance policy covers the cost for specific dental treatment or not, it is recommended to consult your dentist to have precise information of cost coverage or discuss with your dentist which is the right plan for you as per your need.
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