Can I Use Dental Insurance For Fillings At The Dentist

While most dental insurance coverage will only cover a percentage, usually 50% to 80%, of fillings. Insurance companies will not always pay for composite fillings on back teeth. As mentioned above, dental insurance typically does not cover the additional costs associated with composite fillings. With dental insurance, gold fillings typically run between $10 and $50, while ceramic fillings range between $40 and $100. Dental insurance is intended to help offset the costs associated with dental care.

Dental Insurance Plan Choices: Indemnity Plan: An indemnity dental insurance plan allows you to select your own dentist. If you have dental insurance, familiarize yourself with your plan so you know what is covered and how. Fillings, crowns, bridges, root canals, fluoride treatments, braces, gum surgery , dental implant, and many other procedures are all covered by full coverage dental insurance.

Most dental insurance plans cover the cost of dental amalgam and gold fillings, since they are used for functional, rather than exclusively cosmetic, purposes. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling. Dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps.

Dental finance managers can call your insurance provider to pre-determine the out-of-pocket costs associated with your planned procedure. Most dental insurance plans cover the cost of dental amalgam and gold fillings, since they are used for functional, rather than exclusively cosmetic, purposes.

Dental insurance plans usually consider the replacing of metal fillings with composite resin fillings to improve your smile a cosmetic procedure. Typically your dental insurance coverage may reimburse you for these types of dental fillings. For example, virtually all of Delta Dental’s plans cover resin fillings on the teeth where their cosmetic benefit is critical: the six front teeth (incisors and cuspids) and on the facial (cheek side) surfaces of the next two teeth (bicuspids).