Dental insurance plans are intended to assist in costs for dental care, although they may not cover the full amount. Most patients receive their dental insurance plans through their employer, who has a contract with a third party (insurance company). The benefits these plans offer can vary from company to company, so it is important to understand what your plan offers and its reimbursement levels.

Some plans may have a list of preferred providers for you to choose from, and this decision can affect the levels of reimbursement from your plan. Others, like UCR (usual, customary and reasonable) plans, allow the patient to choose their own dentist.

Some patients may feel that certain treatments are not necessary if they are not covered by dental insurance. However, this is an incorrect assumption. As with medical insurance, dental insurance generally does not cover pre-existing conditions. Treatment may still be necessary to treat the condition, regardless of insurance coverage. Sometimes the dental plan may only allow for the least expensive treatment for a condition or may exclude certain procedures from coverage. It is best to discuss your options with your dentist to determine what treatment is needed for your condition.

If you have any questions or concerns about your plan, please contact the insurance company or your employer.