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Will My Dental Insurance Cover an Emergency Visit?

October 12, 2020

Filed under: Uncategorized — Tags: — dr_hagerty @ 10:21 pm

Woman using dental insurance for emergency dentistry. No one ever expects it to happen to them, but 1 in 6 Americans have a dental emergency each year, which causes 16% of the population to miss work and is the leading cause of school absences. If you or a loved one need urgent dental attention, time is of the utmost importance. You don’t want to delay getting the necessary services you need because you’re worried about a large bill. You don’t have anything to fear. You might be able to use your dental insurance to offset the amount you need to pay out-of-pocket.

How Does Dental Insurance Work?

Your dental insurance is a monthly investment that gives you access to comprehensive benefits that allow you to enjoy reduced rates for the treatments your smile needs to stay healthy. By paying your monthly premiums, your insurance plan can cover a portion of many common services, such as:

  • 100% preventive care
  • 80% minor restorative care
  • 50% major restorative care

After reaching your annual deductible, you’re given an allowance to use toward the cost of certain procedures, like root canals and tooth extractions. You’ll have a yearly limit to pay a portion of the expense, which is usually around $1,500. Although every policy differs, many plans also offer coverage toward emergency services.

Can I Use My Dental Insurance for Emergency Dentistry?

When the unexpected strikes, you don’t want to deter getting the care you need because you’re concerned about the cost of the visit. Thankfully, you will have one less thing to worry about during the stressful situation. Many dental insurances can help lower certain aspects of emergency services, like the consultation or X-rays.

Your dentist will explain how your coverage can be used to pay for your treatment during your consultation. They will discuss the fees associated with your plan and your payment options, like using your dental insurance. If applicable, your dental team will work on your behalf with your insurance company to file the necessary claim forms, so you can focus on more important matters. They’ll help you maximize your benefits to lower the amount you pay.

If there’s any remaining balance, there are several solutions to keep your care within your budget, like third-party financing with CareCredit. Based on your credit’s approval, you’re given the funds you need, which you will replay using a specific plan.

Don’t Wait to See Your Dentist

Whether you or a loved one needs to see an emergency dentist, don’t stress about a large bill. They will help you find the options you need to treat the issue without draining your wallet, like using your dental insurance.

About Dr. Gary P. Hutnik

Dr. Hutnik earned his dental degree at the University of Michigan in Ann Arbor. He has over 30 years of experience in dentistry. He regularly continues his training to offer advanced services to the community, including emergency dentistry. Dr. Hutnik works with many insurance companies to keep treatments affordable for his patients. If you need immediate dental attention, contact our office today for an appointment.

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