Insurance for Dentists: Everything You Need to Know

Going to the dentist can be a nerve-wracking experience, but it’s a necessary one. However, those worries can be compounded by the fear of mounting costs associated with dental procedures. Dental costs seem to be on the rise, and regular check-ups, fillings, or even major dental work can become a financial burden. Dental insurance can be a great asset in easing the financial burden of dental procedures. In this article, we will discuss everything there is to know about insurance for dentists.

What is Dental Insurance?

Dental insurance is a type of health insurance that covers dental care, including preventive, routine, and emergency dental procedures. Dental insurance typically pays for a percentage of the fees charged by the dentist or dental clinic. The percentage covered depends on the specific insurance policy and the type of procedure required.

Dental insurance plans can be categorized into two main types:

How does Dental Insurance Work?

When you have dental insurance, you typically pay a monthly or annual premium to your insurance provider. In return, your insurance provider will cover a percentage of your dental care costs, up to a maximum amount per year, which is known as the annual maximum. The percentage of coverage depends on your policy.

If you visit an in-network dentist or clinic, they will submit the dental claim to your insurance provider on your behalf. You will typically pay a copayment, which is a fixed amount for specific services, such as a filling or a cleaning. The insurance provider will pay the remainder of the fees, up to the covered percentage specified in your policy.

It’s important to note that dental insurance does not cover all dental procedures. Cosmetic procedures such as teeth whitening or veneers are typically not covered. Additionally, some procedures may have a waiting period before they are covered by insurance. Be sure to review your policy carefully, so you understand what is covered and what is not.

Why is Dental Insurance Important for Dentists?

Dentists spend years in education and training to be able to provide their patients with top-notch dental care. Dental insurance allows patients to get the care they need without worrying about the cost. This helps dentists build long-term relationships with their patients, which can lead to a steady stream of referrals and repeat business.

Additionally, dental insurance can help dentists expand their practice. Patients with dental insurance are more likely to seek out dental care when they need it, increasing the demand for dental services. As a result, dentists may be able to expand their practice to meet the needs of their patients.

FAQs About Dental Insurance for Dentists

1. What is the Cost of Dental Insurance?

The cost of dental insurance varies depending on several factors, including the type of plan, the amount of coverage, and your location. An individual plan may cost between $15 and $50 per month, while a family plan may cost between $50 and $150 per month. Most plans have an annual deductible between $50 and $200.

2. Can I See Any Dentist with Dental Insurance?

With indemnity plans, you can choose any dentist you prefer. With managed care plans, you will be limited to the dentists in the provider’s network.

3. What Dental Procedures are Covered by Insurance?

The list of procedures covered by insurance varies depending on the policy. However, most insurance plans cover preventive care, such as regular check-ups, cleanings, and x-rays. Basic restorative procedures, such as fillings and extractions, are also typically covered. Major procedures, such as root canals, crowns, and dentures, are usually covered at a lower percentage and may have waiting periods before they are covered.

4. How Does Insurance Cover Orthodontics?

Orthodontic care, such as braces, is not always covered by dental insurance. When orthodontic care is covered, it is usually subject to a separate lifetime maximum benefit.

5. Can I Use My Dental Insurance for Cosmetic Procedures?

Dental insurance typically does not cover cosmetic procedures, such as teeth whitening or veneers.

In conclusion, dental insurance can be a valuable asset for both patients and dentists. It helps patients get the care they need without worrying about the cost and helps dentists build long-term relationships with their patients. When shopping for dental insurance, be sure to review the policy carefully to understand what is covered and what is not. As a dentist, it’s important to understand your patients’ insurance coverage, so you can provide the best possible care while minimizing their out-of-pocket expenses.