Dental health is an integral part of our overall well-being, and regular dental check-ups are crucial to maintaining a healthy smile. However, the cost of dental care can be a concern for many individuals and families. This is where dental insurance comes into play, providing financial assistance to help cover the expenses associated with visits to a Denver dentist.
Do you need help understanding your dental insurance plan? The team at Metropolitan Dental Care can help. So, don’t wait – contact our dentists in Denver, CO, at (303) 534-2626 now!
In today’s blog, we explore what dental insurance usually covers, giving you a better understanding of its benefits. Please note: Insurance plans can differ significantly in terms of coverage, deductibles, annual maximums, waiting periods, and provider networks. You are ultimately responsible for understanding the terms of your own insurance plan before seeking treatment.
Preventive Care
Most dental insurance plans prioritize preventive care. This may include routine check-ups and cleanings, typically covered at 80-100% of the total cost by insurance. In some cases, insurance plans may cover diagnostic services, such as X-rays.
Basic Restorative Procedures
Dental insurance also commonly covers basic restorative procedures. This category includes treatments like fillings for cavities and simple extractions. Coverage varies between plans but is typically around 70-80%.
Some Major Restorative Procedures
Although usually covered at only 50-70%, some dental insurance plans can cover more extensive dental work, such as crowns, bridges, and root canals. These procedures are essential for restoring damaged or decayed teeth and preserving oral function.
Minor Orthodontic Care
Not all dental insurance plans cover orthodontic treatment, like braces or Invisalign®. However, when coverage is available, it usually covers a portion of the expenses, such as a percentage of the total cost or a fixed amount per year.
Periodontal (Gum) Care
Because our gums are so important, treatment for gum disease is also typically covered by dental insurance. This includes procedures like scaling and root planing. Coverage percentages may vary, but most plans provide some level of support.
Emergent Oral Surgery
Dental insurance often covers oral surgery procedures, such as tooth extractions (including wisdom teeth removal) and oral biopsies. The extent of coverage can differ, but these services are generally included in most plans to address more complex dental issues.
Some Prosthodontic Services
Prosthodontic services deal with the replacement of missing teeth, such as dentures or partial dentures. Dental insurance usually provides coverage for these services, although the amount may differ depending on the plan.
Confirm Your Dental Insurance Coverage Today
It’s essential to carefully review the details of your specific plan to understand its coverage and associated costs. While most plans cover preventive treatments and minor restorative services, some may not. Additionally, insurance plans are prone to changing frequently (even yearly). This means that you should acquaint yourself with your specific plan frequently to ensure that you still understand your coverage.
At Metropolitan Dental Care, we can help you get a better understanding of your benefits. Contact our team online here, or give us a call at (303) 534-2626 to inquire about your unique plan.
