Dental insurance is a benefit that makes dental care more accessible for millions of Americans each year. Hundreds of preventative, basic, major, and specialty dental procedures are discounted annually, and most dental offices are willing to help policyholders file the necessary documentation for coverage on your behalf. For further assistance, patients may consider dental financing in Dallas, for dental expenses that exceed individual insurance coverages.
Years ago, when dental insurance first began to gain popularity, it was designed to provide some assistance with the financial obligations of dental treatment. Unfortunately, due to insurance limitations, guidelines, and complicated wording, many patients and dentists developed an inaccurate view of dental care. Patients began to feel confined to the treatment procedures that were dictated by their insurance plans. Dentists began to recommend treatment that was more likely to be covered by the popular insurance plans.
It is important to note, however, that each patient’s dental needs are unique and it is virtually impossible for each insurance company to design a plan that would best suit everyone. Sometimes, your recommended treatment or procedure falls outside of the guidelines set by your insurance plan. In these cases, and whenever possible, it is best to follow your dentist’s recommendation rather than defer to the insurance guidelines.
When a procedure is not covered by the individual insurance policy, you may still elect to have the treatment, although you will be responsible for the out-of-pocket expense. Some examples of procedures that are frequently recommended, but not covered:
- Porcelain veneers are typically considered a cosmetic option, though they are often used to restore teeth that are chipped, worn, discolored, or otherwise functionally compromised.
- White fillings on the back teeth are as strong as silver fillings, plus they bond to the enamel, reducing the risk of leakage. You might find that your insurance plan will only provide payment up to the cost of a less expensive silver filling.
- Professional strength fluoride is useful to strengthen the enamel, prevent cavities, and reduce sensitivity. Although it is recommended at times for adults, many plans provide coverage for children only.
Trust your dentist to recommend the most ideal treatment for your health, and utilize your insurance benefits to assist with your care. Always keep in mind; you deserve the very best in dental care, no matter the insurance plan limitations. To find out which treatment is best for you, schedule your appointment today.