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Dental Insurance for Fillings: What You Need to Know

Posted on 2023-04-13 17:06:11 by iNF
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Dental Insurance for Fillings: What You Need to Know

Dental fillings are a common dental procedure that can help restore decayed or damaged teeth. However, the costs associated with fillings can add up quickly, which is why it's important to understand your dental insurance coverage before undergoing the procedure.

Types of Dental Insurance Plans

There are several types of dental insurance plans that offer coverage for fillings, including PPO, HMO, and indemnity plans. PPO plans typically offer the most flexibility in terms of choosing your dentist and coverage for out-of-network providers, but may have higher deductibles and out-of-pocket costs. HMO plans typically have lower costs but less flexibility in choosing providers. Indemnity plans offer the highest level of flexibility but may also have higher costs.

Coverage for Fillings

When it comes to coverage for fillings, most dental insurance plans will cover a percentage of the cost, usually ranging from 50% to 80%. However, some plans may require you to meet a deductible or have a waiting period before coverage kicks in. It's important to review your plan's specific coverage details before undergoing any dental procedure.

Common Exclusions

While most dental insurance plans will cover basic fillings, there are common exclusions that you should be aware of. For example, cosmetic fillings, also known as tooth-colored fillings, may not be covered under some plans. Additionally, some plans may not cover fillings for teeth that are already missing or require more extensive procedures, such as a root canal.

Filing a Claim for Fillings

If you're in need of a filling and your dental insurance plan offers coverage, it's important to file a claim correctly. Be sure to get a pre-authorization from your dentist and submit all necessary paperwork to your insurance company. Some plans may require a waiting period before coverage kicks in or have limitations on the number of fillings covered in a given year.

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