Will Dental Insurance Cover an Emergency Visit?

No one ever expects to experience a dental emergency, but accidents and toothaches can happen with no warning. If you have an oral health emergency, the last thing you should be worried about is how you’re going to pay the bill. If you have dental insurance, there’s no reason to worry. Your coverage can be used to lower your out-of-pocket expenses. Here’s how to maximize your benefits to get the care you need.

The Price of Delaying Dental Care

According to a recent survey, 92% of adults would consider delaying dental care because of cost concerns. Times are tough for many people right now. If you’re pinching pennies to get by, the last thing you have money for is an unexpected dental bill. Despite your financial concerns, do not delay seeing your dentist, or it will cost you more down the road. 

Not only will you require more invasive and costly dental procedures, but you might even lose your tooth. Every tooth is important for a healthy smile. The costs of tooth loss can be significant over time because you’ll need to pay for prosthetic replacements and dental issues caused by missing teeth.

Dental Insurance for Emergency Dentistry

Every insurance policy differs, but most offer coverage for one emergency dental visit per year. After a co-payment, your insurance can pay up to 100% of the costs for your consultation and diagnostic services. Your emergency dentist will create a personalized treatment plan. Your insurance may pay up to 80% of the costs for medically necessary treatments after reaching your annual deductible. You can use your coverage to lower the amount you will pay out-of-pocket for restorations, root canals, and other common treatments for dental emergencies. Your dentist will work on your behalf with your dental insurance to maximize your annual allowance.

Keeping Emergency Dentistry Affordable

Besides using your dental insurance, many dental practices offer various financial solutions for patients on a budget. CareCredit is a popular choice because it allows you to make monthly installments on any out-of-pocket expenses. Based on your credit approval, you can benefit from little or no interest in financing. 

Your emergency dentist will understand your situation. They will create a plan to stop your pain and rehabilitate your mouth without costing an arm or a leg. They’ll help you find the financial solutions you need to save your smile.

About Dr. LJ Adam

Dr. LJ Adam completed his dental degree from the University of Pittsburgh School of Dental Medicine and has continued his training in various specialties, including restorations, emergency dentistry, and sleep apnea. He has over 20 years of experience creating healthy, beautiful smiles. Request an appointment through his website or call his office at (724) 954-3394.