Dental insurance plans have limits. Sometimes they cap the benefits paid in a single calendar year, or pay only 50% of allowed charges for expensive major services such as oral surgery.
Health insurance will sometimes step in to save the day, when an operative procedure is medically necessary: the service treats an illness or injury to your mouth, jaw, or face.
Having a third-party insurance company foot the bill is always the ideal form of financing for any medical procedure. Corrective jaw surgery is a treatment that often falls into a gray area.
Insurance will pay for medically necessary services, with left-over expenses. Have your surgeon write a narrative describing why the procedure will address a health problem, injury, disease and its symptoms.
A root canal is a painful experience that often requires immediate treatment. The longer you delay, the worse the infection may become.
People who invested in a dental insurance plan can more easily absorb the surprise expenses. Those who roll the dice may have to pay the full cost out-of-pocket – unless they get lucky.
Dental veneers are a popular method to brighten your smile. People with discolored and misshaped teeth often look to this procedure in order to make themselves look like a movie star or politician.
However, most dental insurance plans classify veneers as cosmetic and will not honor claims. When this happens, the cost-burden falls fully on the patient. Plus, the per-tooth costs are quite high.
In a utopian society, people could buy dental insurance with no waiting period for major work. They buy the coverage on the way to the dentist, have the work done, and drop the policy right after the claim was paid.
Would you take that deal if you were the insurance company? We do not live in a utopian society. Supplemental dental insurance comes with waiting periods, and works for those who plan.
Supplemental dental insurance helps families who need plenty of work done on their teeth the most. Traditional plans often come with annual maximums, which limit the amount the plan pays in any given calendar year.
An extra policy can increase the amount of benefits paid every calendar year, and make those treatments more affordable.
Finding out that Medicaid may cover specific dental procedures is like winning the lottery! There are a few winners, with many walking away empty-handed. It takes detective work to figure out which group describes you.
Every state issues different rules. Certain principles apply across the country. Pregnant women, disabled adults, and low-income seniors enjoy expanded access.
Good oral hygiene has been shown to have a positive impact on overall health. Healthy teeth and gums indicate that all is well elsewhere. It seems logical that health insurance would then cover dental procedures such as exams, cleanings, and other work.
Unfortunately, things do not always work the way we assume or hope. There are limited times when medical plans cover dental procedures.
We all may be familiar with how traditional dental insurance plans work. You visit the dentist, had your dental card to the billing manage, the office submits the claim, the insurance company pays the office, and then you receive a bill for the uncovered balance.
Sometimes those uncovered amounts are quite large, which is why you might need a supplemental policy.