Dental Insurances and How They Work

Unbeknownst to many, dental insurances typically do not work the same way as health insurances.  Most dental insurance companies have a maximum amount per patient that they will pay for procedures for the year (the average is around $1,500).  This "annual maximum" refreshes on a yearly basis (almost always on January 1st). 

Although they are helping pay for dental procedures, they do NOT cover 100% of the cost of the service.  For example:  If your insurance covers 80% for fillings, and the price of your filling was $100, your insurance will pay $80 and you will owe $20.

It can get confusing because many insurances cover different procedures at different percentages.  Some will not cover Type 3 services (ie: crowns, bridges, dentures) until you have been a member on the plan for a full year.  Some will not cover the replacement cost of a tooth that had been missing before the patient became a member of the plan.  There are many different variables with the increasing number of dental insurances. 

Our front desk is very knowledgeable about how the most common dental insurances work, and can also help you understand yours.