Dental insurance is a valuable benefit that helps patients afford needed dental treatment. Unfortunately, it is not intended to pay for all your treatment in full. There is a maximum amount they allow for covered procedures, and you are responsible for the balance.
To help you understand how this works, many dental insurance plans use a formula they call "100-80-50" that are applied as follows:
- 100 percent coverage for preventive teeth cleanings, dental exams, and diagnostic x-rays
- 80 percent coverage for dental fillings, root canals, and other routine procedures
- 50 percent coverage for dental crowns, bridges, and other major procedures
Dental insurance rarely covers cosmetic dentistry, but it will partially cover treatments like crowns and bridges that also improve the appearance of your smile.
Don’t worry if this sounds complicated; even those who work with dental insurance daily know what a challenge it can be to understand your coverage and how your benefits apply to treatment. But our staff is highly trained and dedicated to helping our patients maximize their dental coverage in a way that helps them achieve a healthy and beautiful smile.
If you have questions about your dental insurance benefits, please call our office and a member of our team will be happy to assist you.