Cosmetic Dentistry Insurance and Services

Cosmetic dentistry is any procedure that is not medically necessary to perform. For example, extraction of a severely decayed tooth is medically necessary because it poses a risk to the patient?s health and can sometimes be life threatening. A dental implant or partial denture device is not medically necessary, but the patient may want to have it in place to preserve his or her appearance. The person may also want to improve his or her bite, but it is not required for health purposes. Some traditional dental insurance providers do not cover cosmetic dentistry services. Therefore, a person who is thinking of getting extensive cosmetic dentistry will need to purchase cosmetic dental insurance.

Finding Cosmetic Dentistry Insurance

Finding cosmetic dental insurance can be a long process, but some companies do offer it. A person who is interested in cosmetic dentistry can search for this type of insurance by conducting an online search or speaking with a reliable dentist that provides cosmetic dentistry services. Finding dental coverage by selecting a provider first may accelerate the process. The patient will just ask the provider which dental insurance they accept and sift through cosmetic insurance plans offered by those providers. A reliable cosmetic dentist NYC office will provide the person with a list of acceptable insurance companies.

The Basics of Dental Coverage

Several types of dental insurance policies are available. HMO cosmetic dentistry insurance includes a network of providers, and the patient must choose a specific dentist on the list before he or she can receive help. PPO insurance policies allow the patient to have more flexibility. He or she can visit a dental provider of choice. The insurance policy will cover a certain percentage of the treatment for in-network providers and out-of-network providers. In-network treatment yields higher insurance coverage than out-of-network treatment does. A patient looking for suitable cosmetic dental insurance will want to pay close attention to waiting periods, monthly premiums, deductibles, annual max, and coverage amounts. The monthly deductible is the amount the patient has to pay every month to have coverage. The deductible is the amount of money the patient has to take out of his or her pocket before insurance coverage beings. The coverage amount is the percentage the insurance company pays for dental treatment. The annual max is the maximum amount of money that the insurance company will pay out per year. Finally, the waiting period is the amount of time a new patient has to wait before he or she can receive coverage on certain treatments. Some policies have six month to 18-month waiting periods for special dental procedures.

Have Questions About Your Insurance? Call Dr. Massiah!

The ideal situation is to have an acceptable insurance policy that a well-established cosmetic dentist in NYC accepts, such as Dr. Massiah. His office accepts most major dental insurance policies and he provides convenient payment plans for any balances that remain. Dr. Massiah can be reached at 212-222-5225 for implants, dental veneers, teeth whitening, root canals and a wide variety of additional dental services. Call today or fill out a contact form.

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