Considering that barbers used to be in charge of dentistry, performing extractions alongside haircuts and straight shaves, oral care has come a long way. Now dentistry is a serious profession all its own and in order to become a dentist, candidates are subjected to the same rigorous training as medical doctors. This makes sense, of course, since dentists are doctors for the mouth and jaw.
If you have dental insurance, you probably noticed that when you need your six-month cleaning, dental insurance is great – it may even cover the cost of your entire cleaning, exam, and x-rays. If you break a tooth, however, you might have noticed that is where the fine print takes over. In most cases, dental insurance will cover a portion – a percentage – of your dentistry, but rarely writes a check for the whole amount.
Dental Insurance Has Not Changed in Decades
If you have ever looked at the annual limits and coverage amounts on your insurance plan, you probably noticed it is about the same as it was 10 years ago. It might even cover less.
Dental Insurance Usually Has a Deductible
If you need a dental cleaning, you can sometimes avoid a deductible. If you need a bridge, however, you can expect to pay between $50 and $150 before coverage kicks in.
Dental Insurance Has Small Annual Limits
While every insurance plan is different, your limit is likely between $1000 and $2000 dollars. This dollar amount has not increased much, though dentistry has made some significant advancements.
Dental Insurance Covers Some, Not All, Treatment
Insurance is not like choosing buffet items on a cruise ship. You might want a dental implant, but your insurance covers a dental bridge. Many patients find these limitations frustrating.
Dental Insurance Coverage is Subjective
The people in charge of approving your dental benefits may not be dentists at all. It is possible to escalate a claim with additional images or a narrative from the dentist and sometimes it can feel like pulling teeth to get the benefits that you have paid for.
We are here to help. We work with many insurance companies here in our Fayetteville dental office. Our knowledgeable team will help you get the benefits you deserve by submitting accurate claims, x-rays, and narratives to avoid delays in processing. Give us a call today!