Attempting to understand dental insurance can be difficult for many. Trying to navigate the details that only an expert can truly grasp requires time and effort. But with the help of a trusted dental team member, it doesn’t have to be an overwhelming task anymore. Instead, the details of coverage can be explained easily in the following article.
Coverage Provided
Preventive and restorative dentistry are the two types of dental care covered by insurance companies. Not only do they provide ways for patients to take better care of their smiles year-round, but they serve to improve the state of a person’s oral health.
When reviewing a dental insurance plan, preventive care is usually covered at 80-100% depending on the company and the type of policy. Through routine checkups and cleanings, X-rays, and other preventive services, patients can pay little to nothing out of pocket and maintain a higher chance of avoiding cavities and other serious oral health issues that require extensive treatment.
If a cavity or sudden injury does occur, however, restorative care is also covered. By choosing to pay 50-80% of the total bill, dental insurance companies make it possible for individuals to avoid high out-of-pocket expenses when faced with a minor or major problem. These services must be medically necessary, though.
The Truth About Cosmetic Dentistry
There is an array of cosmetic dental services that dentists offer, each providing patients with an opportunity to transform their appearances. To take advantage of these treatments, individuals are encouraged to meet with their dentist for a consultation, but the reality is that these services are not typically covered by dental insurance.
The main reason is that they are elective procedures and do not contribute to the betterment of a person’s smile. While they do improve the aesthetics, they do not prove medically necessary. As a result, dentists are encouraged to provide alternative ways for patients to pay for these treatments. This allows individuals to pursue cosmetic dentistry without emptying their savings accounts.
Dental insurance may be one of the more cumbersome components associated with dental care today but with the help of a dentist in Wilmington who understands the details, it can be quite easy. Patients can feel more confident and prepared when it comes to caring for their smiles when they understand how they’ll be expected to pay in the end.
About Grand Dental – Wilmington
At Grand Dental – Wilmington, we take pride in the personalized, comprehensive dental care we provide. Our talented team of four dental specialists is happy to work with patients of all ages, and we want to make sure individuals save when coming in for a visit. Dental care can be expensive, so when patients need assistance to better understand their plans, we invite them to visit our website or call (815) 240-8822 to learn how we can help.