You just left the dentist’s office and learned you need to have a few teeth removed. Although this isn’t the news you were hoping to receive, you’re now left to find out how much this procedure will cost and if you’re covered under your dental insurance policy. For many people, unexpected dental work can cause anxiety and worry, especially when it’s uncertain as to where the money will come from to pay for it. This can lead to putting off surgery and worsening dental problems in the long run. Before you assume that the entire bill will be your responsibility, find out if tooth extractions are covered under your insurance as well as how else you can get the care you need without emptying your wallet.
Will Dental Insurance Cover Tooth Extractions?
Most dental insurance companies do incorporate some level of coverage for tooth extractions. Considered a “need” and not a “want” in the eyes of both the dentist and insurer, you won’t likely have the responsibility of paying the full bill yourself. However, the amount your insurance company will agree to cover is dependent on your plan.
Whether you choose to contact a representative or have a member of your dental team work on your behalf is your decision, but it is strongly advised that you find out how much your out of pocket expenses will be before starting the extraction. Your deductible can play a role in the amount you pay versus your insurance company. If you’ve met your deductible, you can expect your insurer to pay of the costs. Depending on the level of coverage (major or minor), they may be responsible for 50-80% of the overall cost. This is why it pays to use your dental benefits before the end of the year. Otherwise, they expire, and you’ll be left to start over at the beginning of the year.
What Other Payment Options Are Available?
If you’re not insured or your out-of-pocket expenses are still too much to pay at one time, most dental offices offer additional payment methods. From in-office membership clubs that offer discounts on treatments to third-party financing through CareCredit, you are guaranteed to find a solution that is right for you. Should you choose the first option, you can receive one emergency exam per year (if needed) and 15% off other available treatments for less than $30 a month.
By choosing to enroll in CareCredit, you can select a no-interest or low-interest plan that will allow you to spread out your treatments in the form of manageable monthly payments and stay within your budget.
As you prepare for your necessary dental work, don’t let fear surrounding how you will pay keep you from getting the care you need. Your dental team will work with you to find a solution that is conducive to your monthly budget and keeps you on the path to better oral health.
About the Author
Dr. Dennis E. Stansbury earned his undergraduate degree at Texas A&M before pursuing his Doctor of Dental Surgery degree at Baylor College of Dentistry in Dallas. Interested in the ever-changing field of dentistry, he regularly participates in continuing education courses to strengthen his skills and knowledge. He and his team at Stansbury Dental believe in providing affordable dental care to those in need, which is why no matter if you are covered by dental insurance or not, we can help to identify alternative ways to pay for treatment. To find out how we can help you stay within your budget, contact us at (903) 561-1122.