Is Oral Surgery Covered by Health Insurance?
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When you go to a dentist, you’re used to your dental insurance covering the services that you need. But with oral surgery is it any different? Are there instances where your health insurance covers Lafayette oral surgery and your dental benefits do not?
What We Usually See
In most of our Lafayette oral surgery cases, health insurance will only cover the treatment if it’s due to trauma.
For example, let’s say you were in an automobile accident and suffered facial lacerations due to the airbag or maybe have a broken jaw. Perhaps teeth were even broken. Although all of these injuries are related to the face and mouth, it’s a balancing act as to whether the treatment is covered by your dental or health insurance. Since this particular case is related to trauma, your medical benefits are more likely than not to cover your oral surgery.
Other types of traumatic injuries could include a ski accident, domestic violence, or any blunt trauma (as opposed to a dental disease.)
Another instance where health benefits help to cover oral surgery is when there are atypical developmental concerns or facial deformities. Such situations are usually present from birth, such as a cleft lip or palate. Although initial surgery is needed to help babies born with this condition be able to nurse and eat, children will require periodic surgeries as they grow and their facial characteristics mature.
What About Wisdom Tooth Extraction or Dental Implants?
Dental procedures are filed against insurance based on a series of “codes” used to describe them. Wisdom tooth extractions and dental implants are generally only included in dental codes and accepted by dental insurance, rather than a medical plan.
However, some overlap may exist. For instance, if you require a particular medical procedure or sedation in order to undergo a medically necessary dental procedure, there may be supporting data that allows your health benefits to include a portion of the treatment (such as the sedation, for example.)
Our Lafayette, CO oral surgery coordinators will gather all of your dental and health insurance benefit information prior to scheduling treatment. As we call to verify your coverage, we’ll be able to provide you with an estimate as to what’s covered, how much it is, and by which insurance company. Although this is only an estimate, it can provide you with the information as to which types of oral surgery are covered by your unique plans.
Since we’ve worked with numerous types of oral surgery cases over the years, we have a good understanding as to which types of treatments tend to be covered under health benefits, especially if you’re experiencing something similar to other patients in the past.
Flexible financing options are also available to help fill in any difference between what’s covered by your dental and health insurance, making it more convenient to get the care you need.
Contact us today to schedule your Lafayette, CO oral surgery consultation for more information.
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