Restorative Dentistry

In general, many dental insurance plans provide coverage for restorative procedures. But, the extent of coverage may vary. Here are some key points to consider.

• Basic Coverage: Most dental insurance plans typically cover basic restorative procedures. This includes procedures like dental fillings at a certain percentage (e.g., 80% coverage) after deductibles. Basic coverage may also include other treatments like root canals and periodontal treatments.
• Major Coverage: Restorative procedures that require more extensive treatment often fall under major coverage by dental insurance plans. The insurance company will typically cover a percentage of the cost, usually around 50%. You’ll be responsible for paying the remaining treatment cost out of pocket.
• Waiting Periods: Some dental insurance plans make you wait a while before they cover specific restorative procedures. This time is called the waiting period; you’ll only receive coverage for major treatments after it elapses. Basic preventive care may be under coverage during this time, but coverage for more extensive procedures might not be immediate.
• Preauthorization and Annual Maximums: Before undergoing certain restorative dental procedures, find out how your dental insurance coverage works. Sometimes, you may need preauthorization or prior approval from your insurance company. Dental insurance plans often have a limit on how much they will pay for dental treatments in a year, known as the annual maximum. If your restorative treatment costs exceed this limit, you’ll have to pay the remaining expenses out of pocket.