Will my insurance cover my appointment?
Yes. Insurance can cover some dental treatments; not all. They normally cover between 50% to 100% of the cost of treatment. The treatments covered include checkups, root canals, fillings, cleaning, emergency and accidents, and tooth extraction.
Health insurance policies are different and thus the coverage varies too. It is important to consult your insurance provider to know your limits. Dental insurance plans are normally classified into different tiers of coverage. Some will cover for expensive treatments like braces and referrals to orthodontic specialists. However, these may have higher premiums and deductibles. Cosmetic dental procedures are not covered under insurance plans. All the same, you may be given an exemption if the dentist Richmond Hill can make a case that the procedure is a medical necessity.
Below is a list of treatments that your insurance may not cover. This is, however, subject to change depending on the dental insurance provider.
- Any dental treatment that is not classified under routine dental care or emergency treatment
- Cosmetic treatment except in cases where it is considered a necessity like surgery for oral cancer treatment. Dental treatments considered cosmetic such as teeth whitening and bleaching, bonding, onlays and inlays, veeners, tooth implants, tooth caps, orthodontics, and tooth contouring or reshaping
- Orthodontic treatments
- Sports mouth guards
- Surgical implants except when the implants are crucial for oral cancer treatment
- Emergency dental procedures that are performed outside the country
- Emergency dental treatment that is as a result of participating in a sporting activity
- Replacement of orthodontic appliance
- Dental treatment arising from chemical or nuclear contamination, invasion, civil war, hostilities, acts of foreign enemies, revolution, terrorism, rebellion, insurrection or military and usurped power
- Oral cancer treatment if the oral cancer was diagnosed before the patient enrolled for the medical cover or during the six months after enrollment
- Any dental procedures that are experimental or unproven
- Emergency treatment which is as a result of external impact which occurred before the insurance start date
- Dental consumable such as mouthwash, dental floss and toothbrushes
- Emergency dental treatment that arises due to injuries caused by mouth jewelry
- Treatment arising from damage caused by oral hygiene practices such as tooth brushing
Learn more about Frequently Asked Questions About Dental Health from Richmond Hill Dentists