Dental insurance provides coverage for a wide range of issues, including preventative care, basic repairs, emergency treatment, and catastrophic dental procedures.
But because plans and benefits can vary, many people are unsure about what their insurance will and won’t cover.
In fact, patients often have a number of questions about their dental insurance policies, including: Does my insurance cover a broken tooth? How much will it pay? Am I responsible for any portion of the cost?
To find out the answers to these questions and learn more about dental insurance coverage, read on.
Does My Insurance Cover Broken Tooth Repair?
If you’re wondering – Does my insurance cover a broken tooth? – you’ll be pleased to learn that most plans provide benefits for basic procedures like bonding.
Bonding applies a tooth-colored resin material and hardens it with a special light to restore tooth appearance and structure. As such, it is an excellent option for repairing a chipped or broken tooth.
That being said, insurance may be less likely to cover bonding for cosmetic reasons, unless the procedure is necessary to preserve tooth structure and health.
Will Insurance Pay the Entire Cost of Repair?
In addition to asking – Does my insurance cover a broken tooth? – patients often want to know how much their policy will pay and if it will cover the entire cost.
To answer this question, patients should contact their insurance company directly and discuss the specifics of their plan including:
- The cost of their co-pay
- If they have a deductible
- The dollar amount they must pay to meet the deductible before insurance begins paying
- If their policy has a maximum annual limit and if they have reached it
It’s also a good idea to request an estimate from your dentist prior to treatment, so that you are fully aware of the cost and the portion that insurance will cover.
If you have a broken tooth that requires repair, please call our office today to schedule a consultation with leading dentist Dr. Rochelle E. Hackley DDS.