You’re at home and dealing with a knocked-out tooth. The situation is not ideal, and you wonder if dental insurance will cover an emergency visit. Many people faced with this same situation often forgo treatment because of their financial state. However, instead of neglecting necessary care, a dentist explains why you should seek immediate help and what you can expect when it comes to filing a claim.
If I Can’t Afford Treatment, Should I Forgo Seeing a Dentist?
No, you should never avoid seeing a dentist if you are experiencing a dental emergency. Even if you need a simple checkup and cleaning, you should still get in to see a professional.
Neglecting timely care will only worsen your symptoms and put you at greater risk for timelier and costlier dental care. Although it might seem like a burdensome approach when you lack the financial ability, the truth is that your oral and overall health is at stake, and the longer you wait, the worse your situation will become.
Will My Dental Insurance Provider Cover My Visit?
Most dental insurance companies offer one free emergency exam each year as part of their available benefits. Of course, the cost of the actual visit is minor in comparison to the type of restorative treatment you might need. Fortunately, this is where your dental insurance benefits help.
Most policies will agree to cover 70-80% of minor restorative services and around 50% of major restorative treatments. This, of course, is dependent on whether you have met your deductible and how much of your remaining funds are available as part of your annual maximum.
When working with your dental team, they will take care of filing all the necessary paperwork and claims on your behalf so that you can focus more on getting the treatment you need to improve your smile.
And if you are uninsured, there is no need to worry. Many dental offices offer alternative forms of payment so that you can remain within your budget. These can include flexible financing plans through companies like CareCredit or in-house membership programs that allow you to pay a one-time, low annual fee for access to preventive services, and discounts on all other available treatments.
Your oral health is too valuable to be placed on the back burner because of cost. Get the care you need and trust that your emergency dentist will help you navigate the financial side of dentistry.
About the Author
Dr. Teresa Knott is a general dentist with nearly 20 years of experience. Earning her dental degree at the University of Texas Health Science Center in San Antonio, she graduated in 2003 and worked as an associate dentist throughout the Dallas Metroplex. Three years later, she opened Town Center Dental and is pleased to lead a team who cares about patients’ smiles. Offering comprehensive and affordable care, she is available to see emergency cases in a timely manner, and our team will work to identify the most beneficial ways for patients to save. If you need assistance navigating your benefits, visit our website or call (972) 530-5200.