What does dental insurance not cover? | Dental Insurance
Dental insurance cost
The cost of dental insurance varies from plan to plan, but generally ranges from a few dollars a month to several hundred dollars. Costs will depend on factors such as the amount of coverage, the co-pay, and the type of provider network.
What does dental insurance not cover?
Dental insurance typically does not cover the following
Cosmetic dental procedures such as teeth whitening or braces.
It also may not cover major dental procedures such as implants or dentures.
Most plans also do not offer coverage for pre-existing conditions or preventive care such as cleanings and check-ups.
Some plans also do not cover hospital charges resulting from dental treatments, and some plans may not include coverage for orthodontics at all.
Understanding dental insurance for dummies
1. Understand the Types of Plans Available: There are several types of plans available, such as fee-for-service, preferred provider (PPO) and health maintenance organizations (HMO).
2. Learn What Your Insurance Covers: You should carefully read your policy so you understand exactly what is covered, and at what rate.
3. Understand the Terms: Get familiar with the terms of your coverage. This includes deductibles, coinsurance and copayment.
4. Find a Provider: Look for a dental provider that is in your network and understands your coverage.
5. Understand the Basics of Your Bill: Learn what your statement means so you know how much you owe.
6. Review the Bill: Make sure the services you were billed for were actually rendered by the provider.
7. Keep Track of Claims: Keep a record of all the claims you submit to the dental insurance company.
8. Appeal Denials: Don’t be afraid to appeal any denials or changes to your coverage if need be.
Does dental insurance cover cavities
The Answer is Yes, dental insurance will typically cover the cost of cavity fillings.
In most cases, you will be required to pay a copayment for the procedure, with the remaining cost covered by your insurance. Some plans may also cover the cost of a preventive exam or x-rays taken prior to cavity filling treatment.
It is important to check the specifics of your policy before receiving any dental treatment.
Is dental insurance worth it?
The cost of dental insurance can be less than the cost of standard health insurance plans, and typically incorporates some proven benefits and services that can help offset the costs of preventive care, Routine maintenance, and emergency dental repairs. Therefore, dental insurance can be a worthwhile investment if you are at risk for a costly dental procedure (e.g. crowns, bridges, implants, root canals, orthodontia, dental surgery, etc.). However, if you can afford to pay out of pocket for your routine procedures, then it may not make sense for you to purchase a dental insurance plan.
Does dental insurance cover implants
The type of dental insurance coverage depends on the specific insurance plan in question. Many comprehensive plans include coverage for some, or all, of the cost of implants. If the plan does not cover implant services, you may still be able to receive a portion of the cost back, depending on the particular plan’s policy. Additionally, you may be able to get some coverage for implants through other non-dental insurance resources (e.g. vision care, Medicare, Medicaid, etc.). If you are considering implants and have dental insurance, it is best to check directly with your insurance provider to determine what type of coverage is available under your plan.
Delta dental insurance phone number
Delta Dental’s phone number is: 1-800-523-5846
