Whether it’s a sudden toothache, a chipped tooth, or a knocked-out molar, dental emergencies can happen at any time. When they do, it’s easy to panic, not just due to shock or pain, but because of the cost. After all, if you’re having a difficult time with your finances, a sudden dental visit might suddenly seem far more serious.
But can dental insurance save you from anxiety in this uncertain time? Continue reading to learn what to expect when it comes to insurance coverage for dental emergencies.
What Counts as a Dental Emergency?
There are many dental issues that can cause pain and interrupt your daily routine. Unfortunately, insurance companies pick and choose what they cover as “emergencies.” So, it’s important to define the term the way a provider would in order to temper expectations.
Generally, an emergency is any dental problem that requires immediate care to relieve severe pain, save a tooth, stop bleeding, or prevent an infection. Some common examples of this include:
- Knocked-out or broken teeth.
- Severe toothaches or abscesses.
- Oral infections causing swelling or fever.
- Uncontrolled bleeding after an injury.
If you’re unsure whether your situation is an emergency, always call your dentist. Even if you don’t think your situation is a big deal, they have insight into oral issues that could save your smile—or even your life!
Does Dental Insurance Cover Emergency Visits?
Most dental insurance plans offer some level of emergency coverage, but the extent varies based on your provider and plan. For example, many insurance companies will cover the cost of diagnostic and exam fees like X-rays, but there may be a limit per year or a copay that goes along with it.
Procedures that constitute a dental emergency are most often covered at around 50 to 80 percent depending on your plan. This includes fillings, root canals, extractions, crowns, and other procedures that are necessary to relieve pain or restore the function of your smile.
How Should You Prepare for a Dental Emergency?
Before you ever set foot inside your dentist’s office, there are things you can do to prepare yourself in case of a dental emergency. The better prepared you are, the less panic you’ll feel if the worst should happen.
- Review your insurance plan so you know what’s covered.
- Keep up with your oral hygiene routine to lower your risk of dental issues.
- Store your dentist’s contact info in a handy spot for emergencies.
- Consider a savings fund or apply for flexible financing through CareCredit or another provider if your insurance has gaps.
Dental emergencies are stressful enough without worrying about the cost! By understanding your insurance benefits and taking care of your smile, you can save yourself from surprises later. If you’re unsure about how to approach your coverage, contact your insurance provider or ask your dentist’s office for help. They’ll be happy to walk you through your benefits.
About the Author
Dr. Stacy Goodwill and Dr. Jessica Majidian are our talented dental team at Cornerstone Dental. Together, they help patients achieve their brightest, healthiest smiles while providing relief for dental emergencies. Whether you’re in pain due to a cavity or a broken tooth, we have the technology and the experience to set things right. Call (701) 237-3583 to schedule a same-day emergency appointment with us or visit our website to explore other services.