A large percentage of Americans have dental benefits through work or a private plan. However, not everyone completely understands how their insurance plan plays a role. You know that you can go to your dentist for your regular cleanings and checkups without issue, but what if you have an urgent problem that needs to be attended to? Will your dental insurance help to pay for your emergency visit? Here’s what you should know.
Wil My Emergency Treatment Be Covered?
Your visit will likely receive some partial coverage. However, the percentage of your treatment that is covered depends on the type of emergency that you have and the treatment that you require to restore your oral health. That’s why it’s nearly impossible to know exactly how much you will be expected to pay out of pocket and how much will be covered by insurance until after you see your dentist and have the issue identified.
What Does Dental Insurance Cover?
Every dental plan is a little bit different, so you will need to seek this information from your provider to be certain. Here is the typical structure of dental coverage.
- 100% of Preventive Care
- 80% of Basic Procedures
- 50% of Major Procedures
Every plan has a cap on how much it covers each year. This is called an annual maximum. After you reach this, you are fully responsible for all expenses.
How Does This Look in Real Life?
Since your coverage depends on the type of treatment that you require, the cost of your visit can vary quite a bit. For example, if your emergency is due to tooth decay and you need to a filling, approximately 80% of your treatment is likely to be covered. If you need a more complete procedure, you may be left responsible for half of the cost. Just remember that the longer you put off a dental problem, the worse it will get. By seeing your dentist for treatment now, you are more likely to save money going forward.
If you are worried about the cost of your dental treatment, talk to your friendly dental team. Other options may be available to help fit your treatment into your budget. Getting essential dental care shouldn’t mean stressing over finances!
About the Author
Dr. Robert Saphner earned his dental doctorate from the University of Minnesota. Since then, he has completed over 500 hours of continuing education, earned a dental implant fellowship, and holds Fellowship status in the Academy of General Dentistry. Currently, he is a proud member of the American Dental Association and the Wisconsin Dental Association. To learn more about emergency dentistry or to schedule an appointment, visit his website or call (608) 668-6415.