Many people shopping around for coverage wonder whether dental insurance is worth the monthly premium costs.
Dental coverage works more like a prepayment plan than insurance, protecting your finances from unforeseen catastrophic events. An annual maximum benefit caps claims at deficient levels.
However, all is not lost because most PPO plans have a hidden benefit: the steeply discounted allowed amount negotiated by the insurance company with thousands of members (potential patients).
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When Medicare Covers Oral and Maxillofacial Surgery
In most cases, Original Medicare Part B does not cover dental services like cleanings, fillings, extractions, bridges, or dentures. Medicare Part C (Advantage Plans) often covers routine dental services but has low annual maximums, so they pay little. Oral and …
Dental Procedures Medical Insurance Might Cover
What dental procedures might your medical insurance cover? Many patients ask this question because they do not have a dental plan and need help paying for treatment. Your healthcare policy may pay for specific dental work deemed medically necessary. This …
Can Dentists Charge More Than Insurance Allows On EOB?
Can your dentist charge more than allowed by the contracted amount shown on the Explanation of Benefits (EOB) issued by your insurance? It depends. The allowed amount is a lower wholesale rate negotiated by the issuing company, providing a significant …
How To Get Insurance To Pay For Orthognathic Surgery?
Patients needing orthognathic surgery wear orthodontic braces before and after the procedure. Therefore, you may need your health and dental insurance to honor claims to minimize out-of-pocket costs. The two programs work oppositely. You can get your health insurance to …
Free Dental Insurance for Low-Income & Unemployed Adults
How do you get free dental insurance? Apply for Medicaid and hope your state supports comprehensive oral care benefits. Medicaid frequently provides dental insurance at no cost to low-income families, many of whom may be experiencing unemployment. Children frequently qualify …
What to Do When Dental Insurance Doesn’t Pay Claims
What should you do when your dental insurance refuses to pay claims submitted by your provider? Denials can happen for one of two reasons. First, dental plans contain a host of contractual exclusions, meaning they cover very little. In this …
What Happens When You Reach Your Dental Insurance Maximum?
When you need expensive work done on your teeth, you may ask yourself what happens when you reach the maximum annual benefit on your dental insurance. The policy temporarily stops making claim payments, resuming at the beginning of the new …
Getting Around A Dental Insurance Missing Tooth Clause
How can you avoid the missing tooth clause in many dental insurance plans? If successful, you could lower your costs for dentures or implants significantly. You have two possible strategies with very low odds of bearing fruit. But given the …