Understanding Dental Insurance

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Dental care insurance helps cover the cost of dental care, allowing you to maintain your oral health. While the details vary from plan to plan, dental insurance generally covers issues related to teeth and gums, including preventive care such as regular checkups and cleanings.

How does dental insurance work?

Compared to medical insurance, dental insurance policies are simple and relatively easy to understand. Most policies clearly state how much you will pay out of pocket and which procedures your insurance covers. You can get dental insurance as a stand-alone or part of a medical insurance plan. For most dental insurance policies, the following will apply:

Every month you pay a set premium. This amount will depend upon your carrier and your plan.
Your dental deductible is the amount you must pay before your dental plan starts covering the cost of your dental procedures. In most dental insurance policies, whether you have paid your deductible, primary preventive care such as checkups and cleaning will be covered in full.
Most dental insurance policies won’t cover cosmetic procedures such as crowns or veneers unless these are deemed medically necessary.

Which procedures does dental insurance cover?

The details will vary depending on your plan. Every policy will differ regarding which procedures are considered preventive, basic, or major. Preventative procedures are usually covered even if you haven’t paid your yearly deductible yet. Basic procedures include extractions, fillings, and gum disease treatment. Insurance policies will usually cover 80% of the costs of these. Most insurance policies only cover 50% of the cost of major procedures such as crowns, bridges, and dentures.

Does dental insurance cover cosmetic procedures?

Dental insurance does not typically cover cosmetic procedures like teeth whitening and veneers. If the purpose of the procedure is cosmetic, they are only covered if considered medically necessary. For example, if you need crowns due to severe tooth decay, this procedure may be covered, although crowns may be placed for strictly cosmetic reasons.

How do I use my insurance?

Bring your proof of dental insurance with you to your next appointment, and depending on the details of your plan, we can bill your insurance directly. If you have a copay, we may ask you for this payment. If you have any questions about your dental insurance, we will be happy to help you at ConfiDental in Beverly Hills.

The full spectrum of dental care in Beverly Hills

ConfiDental is your Beverly Hills boutique dental practice for all your dental care. Whether you need a teeth cleaning, veneers, or an emergency dental procedure, we are ready to service you. The owner of our practice, Dr. Liyan Massaband, is committed to providing you with personal care of the highest quality. As a board-certified dentist with exceptional skills, Dr. Massaband is here to fulfill all your dental needs and exceed your expectations. Contact us today to schedule a complimentary consultation.