What Does Dental Insurance Cover? Dallas | Texas Center For Oral Surgery Teeth

You know your dental insurance is important, but do you know how it works? Recent surveys indicate that thousands of dollars’ worth of unused dental benefits go to waste every year. If you don’t know what your dental insurance covers, then it can be nearly impossible to maximize the benefits you’re paying for! Read on as we go over some important basics about what you can expect from your dental insurance coverage.

The 100-80-50 Rule

Every dental insurance policy is different, but most follow a similar pattern of coverage. Generally, the idea is that the more invasive a procedure is, the less coverage it receives. Here are some examples:

Deductibles & Maximums

Before your insurance begins paying for your treatments with the 100-80-50 rule, you may need to meet something called a deductible first. This is how much of your own care you need to pay for before your benefits kick in. Once you meet your deductible, your insurance company will pay for your treatments up until a set dollar amount, known as the maximum. Neither of these amounts roll over to the next year, so if you’ve met your deductible but not your maximum, you still have benefits you can use until the end of the year. However, if you have a HMO, you may not have a deductible or a maximum to worry about.

What Your Insurance Doesn’t Cover

Your coverage will also depend on what type of dental insurance plan you have, HMO or PPO. Here are some of the main differences in coverage outside of the 100-80-50 rule:

Understanding exactly what your dental insurance does and does not cover will help you save money and keep your smile healthy. If you have questions about your coverage, call your provider or speak with your dentist’s team for assistance.

About the Practice

Our team here at Texas Center For Oral Surgery strives to make every part of dental care and surgery in Dallas as pleasant as possible, from consultation to treatment to payment. That’s why we are in-network with numerous popular dental insurance companies as well as Medicaid. For our uninsured patients or those displeased with their coverage, we also offer financing options through CareCredit and special offers on some of our treatments. To learn more about how to make your dental care as affordable as possible, visit us online or give us a call at (972) 436-1513.

Share this post

Share on facebook
Share on twitter
Share on linkedin

Experience Outstanding, Expert-Based Care

Nobody treats you better.

I understand the information disclosed in this form may be subject to re-disclosure and may no longer be protected by HIPAA privacy regulations and the HITECH Act.