Dental
Insurance
Table of Contents:
1. Our Philosophy
2. Endodontic
Insurance Coverage
3. Endodontics and Dental Insurance
4. Fees and Co-Payments
5. Predetermination Policies
1. Our Philosophy
Our office is dedicated to
providing the highest quality of care possible for every patient,
regardless of insurance coverage. We will work closely with you to
achieve that goal. We pride ourselves in helping you make your
endodontic treatment positive and pleasant and hope that you will let us
know how we can achieve this very important goal.
Dental insurance can be very
complex. There are many types of insurance plans, all with different
types of coverage. This makes it extremely difficult for many patients
to fully understand the benefits to which they are entitled.
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2. Endodontic Insurance
Coverage
Dental insurance is provided
through a contract between your employer and a dental insurance
company. The terms of your coverage are negotiated between these two
organizations, and your specific policy is based entirely on their
agreements.
Endodontic offices are not
involved in determining which dental services are included, the
percentage of the fees covered, or whether a specific service is covered
at all.
Not all dental treatment is
covered by dental insurance. Some endodontic services are completely
excluded. While we want to provide you with the highest possible
quality of care, your dental insurance may cover only very basic
services. The specific services covered are based on the cost of the
insurance policy to your employer and the amount the insurance company
is willing to pay.
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3. Endodontics and
Dental Insurance
Although endodontics offers
superior treatment results, dental insurance places a limit on how much
it will pay toward the endodontic fee. Because insurance companies have
an annual maximum benefit, coverage of your root canal therapy will be
covered according to your specific plan and only up to your annual
maximum.
Once your annual maximum has
been reached, the insurance company will not provide additional benefits
for any dental service until the renewal period.
Do keep in mind, however, that
it is important to keep your long-term oral health and comfort as your
primary goal.
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4. Fees and Co-Payments
Each endodontic case is
different; fees vary accordingly. Once an examination and consultation
is completed, we will be able to tell you the fee and an estimate of how
much your dental insurance will cover. Because dental insurance covers
only part of the root canal fee, each patient is responsible for paying
the remaining balance. This co-payment is the responsibility of each
patient and is due when the endodontic treatment is completed. We
offer several financial options so you can choose the one that best
suits you.
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5. Predetermination
Policies
A predetermination is a
submission sent to the insurance company prior to treatment to determine
how much they will pay toward your root canal. However, because our
office is aware that your coverage will be limited and predetermination
may take several weeks, we do not advise waiting for a response from
your insurance company before beginning your root canal procedure.
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