We commonly hear questions about dental insurance coverage at Gibson Dental, and we understand that the cost of treatment is often one of the first concerns our patients might have.
What Dental Insurance Covers
Ultimately, insurance coverage is determined by your employer. Most insurance policies have a deductible that patients must meet before they start paying for services. Fortunately, this often doesn't apply to preventive services, which are usually covered at 100 percent. All dental insurance policies have an annual maximum, usually around $1,500, that they will pay out in benefits in a given year.
Insurance coverage for the most common dental procedures at our Madison, AL dental office—teeth cleanings, dental exams, x-rays, periodontal treatment, fillings, crowns, bridges, extractions, root canals—is pretty predictable. This is especially true of companies where we are a participating provider.
Some of the more specialized procedures, such as implants or orthodontics, are less predictable and consistent from one insurance company to the next. Our role as dentists is to recommend treatment that you need to maintain your oral health and to then come up with a plan that estimates your insurance coverage and any remaining out-of-pocket expense.
Because of all the variables at play, however, we want to be upfront and honest and tell you that it is not possible to be 100 percent accurate all of the time. But we do our best to get as accurate an estimate as possible of how much coverage you can expect.
Call Us with Your Questions
We don't want anyone to forgo dental treatment because of financial reasons, and our team will be happy to discuss financing options with you and answer any questions you may have.