Will Your Health Insurance Pay for Dental Work?

In the event of a medical emergency that affects your mouth, the idea of getting necessary care can be stressful, especially if you do not have dental insurance. Fortunately, there are some cases in which your health insurance pays for dental work. Understanding your coverage and knowing whether a service is billed to dental, or health insurance can help you estimate your cost-sharing responsibility.

Call For FREE Help (702) 898-0554

 

Health Insurance or Dental Insurance: Which One Pays the Bill?

In most cases, dental insurance pays for routine care such as annual x-rays, cleanings and exams, as well as procedures such as fillings, crowns and bridges. Some plans also provide coverage for orthodontia, which may include braces and implants.

When Does Medical Insurance Cover Dental Work?

While dental insurance covers most treatments related to the teeth, there are some cases in which your health insurance company foots the bill. If a treatment is medically necessary, the dentist or oral surgeon may file with your health insurance. For example, if you experience a trauma to the mouth during an auto accident, injury or act of violence, your health insurance most likely pays for the treatment.

Determining Whether a Service is a Dental or Medical Procedure

Health insurance pays for certain medical conditions and treatments such as temporomandibular joint (TMJ) and radiation therapy for oral cancer. It also usually pays to treat damage caused by a trauma to the mouth, such as an injury or accident. The exception to this is if you experienced that trauma in a car accident. In this case, your auto insurance plan may pay for treatment as the primary insurance, and your health insurance would be secondary. Who pay’s what would depend on your coverages you have on your policies.

What Will You Pay for Dental Work?

Your cost-sharing responsibilities depend largely on the type of insurance paying for your treatment. If you experienced trauma from a car accident and your auto insurance policy’s medical coverage is paying, you may not have to pay anything out of pocket. If your medical insurance is covering a procedure or if the procedure is filed with your dental insurance company, you may have to pay a deductible plus a coinsurance (a percentage of the treatment’s cost) or a copayment (a set dollar amount).

To ensure the best coverage for a procedure, it is important to make sure you see an in-network provider. Don’t ask your dentist, “do you take this plan” because they will most likely say yes. It’s best if you ask “are you contracted” with this insurance company. It’s also best to look up online or call the insurance company if that particular dentist is a contracted provider of your plan. Determining which dentists and oral surgeons are within your network can be challenging if you do not know how a procedure will be filed, but a health insurance agent can help you review your coverage and make informed decisions regarding the provider you choose.

Call Us For Assistance

(702) 898-0554

Get a Fast & Free Online Quote

Nevada Insurance Enrollment Is Here to Help

Understanding how a treatment is covered can be confusing, but knowing which insurance policy pays can help you estimate your cost-sharing responsibilities. At Nevada Insurance Enrollment, we can help you review your coverage and determine how a covered treatment is paid. Our licensed health insurance agents can also assist you in finding the robust coverage you need to protect yourself financially when the unexpected happens.

Related Articles:

Dental Plans: Waiting Periods Explained

How Good Dental Hygiene Can Keep Health Insurance Costs Low

Does Medicaid Cover My Dental & Vision Insurance?

Health Insurance Coverage Effective Dates

 

Read More: Health Insurance in Las Vegas, Nevada

 

Call us for assistance

(702) 898-0554

 

Serving Las Vegas, Henderson, North Las Vegas and the entire state of Nevada

Three Ways to Enroll

1).  Apply by Phone

(702) 898-0554

2).  Apply in Person

(by appointment ONLY)

Please call to make an appointment

3).  Online Quote

Path Image - Insurance is confusing

Search This Website

Enter a search term here

Search
Generic filters
Exact matches only
Search in title
Search in content

Why Go Anywhere Else?

When you can have an experienced and caring professional guide you.
Insurance Quotes | Plans | Coverage
Nevada Insurance Enrollment small logo - Insurance Agency in Las Vegas, Nevada
Read why it’s smart to use an insurance agent