No one ever expects to suffer a dental emergency, but 1 in 6 Americans will experience one this year. Few people have money set aside for dental emergencies, but there’s no reason to worry about a large bill if you have dental insurance. Although every situation differs, most policies have coverage for dental emergencies. Here’s how you can get the quick care you need without spending your life’s savings.
Insurance May Cover Dental Emergencies
Most dental insurance offer one emergency exam per year. You can visit your emergency dentist for a copay to have them examine your mouth and assess the situation. Common dental emergencies include:
- Displaced Tooth
- Chips or Cracks
- Toothaches
- Lost Fillings or RestorationsÂ
- Jaw Pain
- Broken Dentures
- Object Caught in Teeth
Your emergency dentist will create a personalized treatment plan, which may include:
- Dental BondingÂ
- Dental CrownÂ
- Root Canal Therapy
- Tooth Extraction
Your dental insurance will cover some of the expenses for medically necessary procedures after meeting your annual deductible. Your insurance may cover 50% to 80% of the expenses for restorative treatments until you reach your yearly limit. Your dentist will work on your behalf with your dental insurance to maximize your coverage.
Delaying Treatment Will Cost More
Many people admit to delaying dental care because of cost concerns, but this is never a good idea. A minor issue can turn into a big problem. Instead of needing a quick minimally invasive treatment, you may require extensive dental work that is more costly. You may even lose your tooth. It is best to contact an emergency dentist right away for treatment.
Options for Affordable Emergency Dentistry
Besides using your dental insurance, many dentists offer flexible financial solutions to keep services affordable, like CareCredit. Based on your credit approval, you can pay any out-of-pocket expenses using monthly installments with little or no interest in financing. Your dental team will review all your financial options during your consultation to help you find the solutions you need to fit your budget.
Don’t let a dental emergency cause irreversible damage to your smile and oral health. Your dental insurance is an investment in reduced rates for the services you need. In addition to preventive care, your benefits offer comprehensive coverage for restorative and emergency procedures. You can get the care you need to save your smile and stop your pain without costing an arm or a leg.
About Dr. Xhelo Shuaipaj
Dr. Shuaipaj earned his dental degree at the Loyola University College of Dental Surgery and has continued his education in many specialties, including dental implants, cosmetic dentistry, and sedation dentistry. He is a proud member of the American Dental Association, the Academy of General Dentistry, and many other professional organizations. Request an appointment through his website or call his office at (630) 243-8300.