Having a dental insurance policy is a worthwhile investment. Not only do you benefit when it comes to preventive care, but you also experience a financial reprieve when requiring restorative treatment. But have you thought about whether your plan covers an emergency visit? Dental accidents happen all the time, so if a trip to the dentist’s office is suddenly necessary, will it cause you to spend more out of pocket? Read on to find out how much help you can expect to receive from your dental insurance company when a crisis occurs.
Can I Count on My Dental Insurance to Cover the Cost of an Emergency Visit?
In most cases, you can trust that your dental insurance company will cover at least a portion of your emergency dental care. While many plans provide one emergency visit each year, this is not always the case, and that’s why you should make sure to review your policy beforehand.
Generally, though, using your dental insurance may help you avoid most of the out-of-pocket costs that are required, especially since restorative treatment is usually recommended. Depending on the type of care your dentist suggests, your plan may cover between 50 and 80% of the total cost.
Most basic restorative procedures are covered at 80% (i.e., dental fillings, root canals, tooth extractions), and most major restorative procedures are covered at 50% (i.e., dentures, dental bridges, dental crowns).
What Will Happen If I Don’t Seek Treatment?
Choosing to avoid treatment for a dental emergency can lead to more serious oral health issues that require costlier and timelier care. These will not improve on their own. Chipped, cracked, or knocked-out teeth need professional assistance to avoid further damage or even tooth loss.
Although it’s normal to be concerned about the cost of emergency care, it’s important to remember that most dentists offer alternative payment solutions if you do not have dental insurance, or your plan does not cover the cost.
What Are Some Other Ways to Pay for Emergency Dental Care?
Each dentist is different, so the payment options they provide will vary. However, some dentists offer multiple options for patients, such as:
- Flexible Financing – You can sign up for in-office financing that allows you to choose a plan with little or no interest attached. These often come in different lengths, so you can pay it off according to a timeframe that works for you.
- CareCredit Financing – This third-party financier makes it easy for you to enroll. With little to no interest, you can choose a plan that makes it easy to pay off your treatment over time without incurring penalties or surprise fees.
- In-Office Membership Program – For uninsured patients, this option is ideal because it requires only one low flat fee. You then gain access to preventive dental services as well as a 20% discount on all other available treatment options.
Seeking immediate dental care for a sudden emergency is important if you want to keep your smile and oral health in shape. Talk to your doctor about available payment options and allow them to maximize your available benefits so that you can save.
About the Author
Dr. Joanne Bancroft earned her dental degree from the State University of Buffalo School of Dental Medicine in 2002, and she completed a General Practice Residency at the University of Colorado School of Dental Medicine. As one of Westminster’s Top 3 Local Dentists in 2019 and one of Colorado’s Top Dentists in 2020, she continues to deliver top-of-the-line care and services to residents. Dealing with a dental emergency? Contact us at (720) 458-6561 to let us help address the issue and get you back on your feet by using safe, effective, and affordable treatment options.