This article will answer your questions on:
While major dental work does not have a formal definition, it is commonly understood to apply to treatments such as the following:
The treatments listed above are associated with high prices as compared to what is paid for basic dental care such as traditional fillings, extractions of non-wisdom teeth, or teeth cleanings.
Braces, while quite expensive, is not usually referred to as major dental work. It is categorized as a type of orthodontic care. While most dental plans do not provide orthodontic benefits, DentalInsurance.com found one-in-four of their plans across the nation had some form of orthodontic benefit for patients needing braces. Many of these plans, though, limited the orthodontic benefit to dependent children covered under the plan.
There is not a standardized price among the major procedures listed in the previous section. Below are some estimates for each treatment.
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Dental insurance can lower the cost of major treatment in two ways: 1) cost-sharing by the dental plan, and 2) in-network prices that are negotiated below prevailing retail rates.
Cost-sharing refers to the portion of a dental service’s expense paid by the dental plan. Assuming the procedure is covered under the terms of the policy, plan may around forty percent of the expense. For some plans, the insurer’s cost-sharing increases in the second and third year of continuous coverage.
In-network pricing is the charge for a treatment by a dentist formally contracted with plan. This in-network pricing is the basis for out-of-pocket expenses that are a percentage of total cost. Ideally, the plan has negotiated more preferable rates, such as a price of $900 for a root canal when the dentist's normal retail price for the service is $1,000.
Our agents can:
It goes without saying that you should confirm an insurance plan’s coverage of a treatment before you receive that service. You should also confirm:
Regardless of what insurance you choose to cover major work, you should also consider obtaining a second opinion. A second opinion is the use of a different dentist to confirm a diagnosis or treatment plan. A second opinion may determine that you need less extensive care or the care could be provided at a lower cost by a different dentist. Second opinions regarding major dental work is not an insult regarding your primary dentist's competence. It is the right of every patient to make an informed decision about his or her oral health. Even if you do not want a second opinion, you can still call different dentists to get their price for the dentistry you have been recommended. It always pays to shop around.
* A waiting period is a delay before a dental treatment is covered for someone insured under the plan. A DentalInsurance.com analysis of insurance from across the United States found waiting periods within two-thirds of plans. The shortest waiting periods were three months and the longest 18 months.
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
