Whether you’re spending the day on the beach with family and friends or going for a run in your neighborhood, a dental emergency is always a possibility. All it takes is to fall, hit the ground, and knock out a tooth, or bite down on a cold popsicle and feel a sharp, shooting pain in one or more of your teeth. While you may be upset by the inconvenience, you may turn your attention to the cost of an emergency visit. Will your dental insurance cover it? Keep reading to learn the truth and how you can save.
Should You Worry About the Emergency Visit?
In most cases, it is not the emergency dental visit that will have you spending more out of pocket. Generally, dental insurance companies include a free exam each year, which means you’re likely to pay little or nothing for this initial appointment.
The real cost comes when your dentist determines the type of restorative treatment you need.
What Can You Expect to Spend on Restorative Treatment?
Before talking numbers, it’s best to remember that no two emergencies are the same. Even if two people crack a tooth, the treatment approach may be different for each. This is why your dentist must complete a thorough evaluation before delivering a cost estimate.
When reviewing your dental insurance plan, you’ll find that most of these services are covered at 50% to 80%. The amount depends on whether you’ve met your annual deductible, the type of treatment you need, and how much of your remaining yearly maximum exists.
Once your dental team files a claim with your insurance, you can expect to receive a refund for their portion of the bill. What remains is how much you can expect to pay out of pocket.
Are There Other Ways to Pay for Emergency Care?
Yes, you can always ask your dentist about alternative payment options if dental insurance is not available. You’ll be surprised to learn that many practices offer flexible financing and/or an in-house membership plan to help minimize your expenses.
Third-party companies, including CareCredit, make it easy to enroll in a low- or no-interest attached payment plan. This allows you to pay off your bill over time instead of paying it all up front.
Don’t assume the worst when facing a dental emergency. Instead, talk to your dentist about how they can repair your smile without requiring you to empty your wallet.
About the Author
Dr. Mihran Asinmaz leads Palm Beach Dental Excellence and considers dentistry his passion. After earning his dental degree from Nova Southeastern University, he has pursued continuing education to stay ahead of the latest advancements in the field. Offering a conservative approach and affordable services, he is pleased to be an insurance-friendly dentist who will file claims on patients’ behalf to ensure maximum reimbursement. If you have questions about how to use your plan to help you save, contact us at (561) 640–9200 to schedule an appointment.