Dental Insurance Articles

Two Types Of Claims That Will Not Be Covered By Dental Insurance Quotes

2010-12-12

Dental insurance quotes from a trustworthy insurance company typically cover the everyday dental health maintenance and in some cases, preventive dental care costs as well. But not all plans are alike. Before you buy a dental plan, be sure that you understand exactly what is covered and what is not.

Do not assume that any specific coverage included in one dental plan will automatically be included in any other; that is not the way it works. It is the case though, that certain basic coverage will be a part of a quality plan from any reputable insurance company. The claims that fall within those clearly defined areas will be paid as outlined in your contract but there are some claim types that will not be paid. You need to know which are covered and which are not.

Here is what is generally covered by any decent dental policy. You are covered for basic dental care and procedures. This includes amalgam fillings for cavities, extractions if necessary, repair of a chipped tooth among other things. Some dental insurance quotes include root canal as a basic procedure while others do not so be sure to check out what your carried considers to be basic care. That way you know it will be covered.

Your policy should cover you for cost related to routine preventive care. Again, the definition of routine can vary from provider to provider which means you want to clearly understand what your provider means by preventive care. At the least it will cover you for regular office visits for checkups, cleaning once or twice each year and x-rays when indicated. Some other procedures may be included as well.

Some dental insurance quotes include full or partial coverage for major dental care. If not part of the basic package, it will be an available option for additional cost. This coverage includes dental surgery, orthodontics and work associated with dentures plus other procedures.

Two claim types that are not part of your dental insurance quotes are elective and cosmetic procedures which include anything that is not indicated as a required treatment or procedure to protect or remedy the health of the patient. Veneers and implants fall into this category. If the reason for the procedure is to enhance the patient's aesthetic appearance or state of mind, it will not be paid.

The other claim type that is not covered is for treatments or procedures other than what is considered usual and customary for a particular situation. For example; if you ask for a composite filling but customary procedure is to use amalgam; the claim will not be paid or will cover only the cost of the customary procedure.