Dental insurance questions are tricky. There are usually a number of “ifs, maybes, and buts” that get in the way of providing a simple and straightforward answer. We know that can be frustrating, but the truth is that every dental insurance plan is different and provides a different level of coverage.
In some cases, certain procedures are only covered under certain circumstances. In others, a procedure may be partially covered and it’s the responsibility of the patient to pay for the difference. In still others, a particular service may not be covered at all, regardless of how beneficial to a patient’s long-term health that particular service might be.
Insurance and Our Fort Worth Dental Office
At Fort Worth Cosmetic & Family Dentistry, home of Fort Worth dentist Dr. Ryan Knight & Dr Nikki Green, we want to help you maximize your dental insurance benefits and get the most out of the services you are paying for.
That said, we always provide our recommendations for treatment based on your specific needs and not what is covered by your insurance. We don’t believe that a dental insurance provider should have the final say in your dental care; we believe that’s a decision that should only be made by you and your dental provider.
Additionally, dental insurance companies have a habit of arbitrarily deciding what the “usual and customary” fees for a particular service might be. We don’t allow insurance companies to dictate our fees based on what other dental practices might be doing. We base our fees on the skill and advanced technique of our dentists and team members and the high quality materials that we use.
Our patients choose us because they know that they can expect state-of-the-art, high-quality care from skilled and experienced providers. We don’t believe in compromise when it comes to health care.
Are Dental Implants Usually Covered?
More insurance plans are beginning to recognize the long-term value of dental implants and include them as a covered procedure. The levels of coverage vary greatly between insurance plans, however.
When it comes to placing dental implants, there are two parts to the equation – the oral surgery to place the implant into the jawbone and the restoration process, in which a restoration such as a crown or a bridge is affixed to the implant. What does this mean for you? It means that there are two additional variables to take into consideration when determining your insurance coverage. Some insurance plans cover the majority of the surgery and limit coverage on the restoration while others pay partially on both parts of the process. Other insurance plans won’t cover either part of the process.
If Dr. Ryan Knight determines that you are a good candidate for dental implants, we will check with your insurance to determine your level of coverage. Before you are asked to make a decision, we’ll let you know about your coverage and the estimated amount that you will be responsible for.
It’s important to note that the estimate is just that – an estimate. Insurance companies have been known to indicate coverage and then deny claims, in which case you may be responsible for more of the total than was estimated. If this happens, we will let you know right away. You have options available to appeal decisions made by the insurance company, but in the meantime, you will be responsible for payment for your dental work.
What if I Don’t Have Dental Insurance?
We know that some of our patients do not have dental coverage. This does not mean that modern dental techniques and technology are out of your reach. We have other payment solutions available that can help you fit dental implants (and other dental procedures) into your budget. In some cases, it can be effective to combine insurance coverage with other payment options to more easily fit a higher co-insurance cost into your budget.
Two great options for financing dental work are CareCredit and Springstone Financial. These options give you a line of credit that can be used to pay for healthcare related costs. With these options, you can create an extended payment plan that spreads out the costs over a six- to twelve-month period, and in some cases, without paying interest.
We are always happy to discuss your options with you so that you can get the dental care you need for the smile you deserve. Dental implants are an investment in the future of your smile. If you have any questions about your insurance coverage or out-of-pocket costs, don’t hesitate to call our office today at (817) 737-6601.