Dental Insurance Plan Surprise AZ
Dental Insurance: What’s Covered, What’s Not
The National Association of Dental Plans says that around 77% of Americans have dental benefits. Most people have private coverage, usually from an employer or group program. Large employers are more likely to offer dental benefits than small employers and high-wage workers are more likely to receive them than low-wage workers. It’s important to try to get these offers and take advantage of them in order to keep the best care for you and your family. Looking into jobs that help provide dental insurance is a great way to take care of you and the people that you love. Or if you are unsure, just ask your employer if they offer dental insurance! Another important note to make is that Medicare doesn’t cover dental care, and most state Medicaid programs cover dental care only for children.
To make the most of your benefits, you need to know these things: asking questions and continuing to stay up to date, and to continue learning what is best for not only you but your family as well.

Insurance or Benefits?
An insurance plan is meant to absorb risk — the risk that you’ll need to have a tooth pulled, for instance, or to get a root canal — and covers costs accordingly. This makes sure that if anything sudden were to happen, you’re covered! This is helpful when life can sometimes happen at crazy times, it’s always nice knowing there is a plan B!
A benefits plan covers some things in full, but other things only partially, and others not at all. It’s meant to be helpful, but it’s not a catch-all.
When you shop for coverage, make sure you understand what the plan covers and what is most important for you and your family.
Dental Plan Categories
Although the features of plans may differ, the most common designs can be grouped into the following categories:
- Direct reimbursement programs pay patients a predetermined percentage of the total amount they spend on dental care, regardless of treatment category. This method typically does not exclude coverage based on the type of treatment needed, allows patients to go to the dentist of their choice, and encourages them to work with the dentist toward healthy and economically sound solutions.
- “Usual, customary, and reasonable” (UCR) programs usually allow patients to go to the dentist of their choice. These plans pay a set percentage of the dentist’s fee or the plan administrator’s “reasonable” or “customary” fee limit, whichever is less. These limits are the result of a contract between the plan purchaser and the third-party payer. Although these limits are called “customary,” they may or may not accurately reflect the fees that area dentists charge. There is wide fluctuation and a lack of government regulation on how a plan determines the “customary” fee level.
- The table or schedule of allowance programs determines a list of covered services with an assigned dollar amount. That amount represents just how much the plan will pay for those services that are covered, regardless of the fee charged by the dentist. The difference between the allowed charge and the dentist’s fee is billed to the patient.
- Capitation programs pay contracted dentists a fixed amount (usually on a monthly basis) per enrolled family or patient. In return, the dentists agree to provide specific types of treatment to the patients at no charge. (For some treatments, there may be a patient co-payment.) The capitation premium that is paid may differ greatly from the amount the plan provides for the patient’s actual dental care.
Types of Plans
Preferred provider organization (PPO): As with a health insurance PPO, these plans come with a list of dentists that accept the plan. You have the option of going out of network, but your out-of-pocket costs will be higher.
Dental health maintenance organization (DHMO): Like a health insurance HMO, these plans provide a network of dentists that accept the plan for a set co-pay or no fee at all. However, you may not be able to see an out-of-network dentist.
Discount or referral dental plan: This is a plan in which you get a discount on dental services from a select group of dentists. Unlike health insurance, the discount or referral plan doesn’t pay anything for your care. Rather, the dentists who participate agree to give you a discount for the care you receive.
Understanding Dental Insurance Plans
Predetermination of costs
Some dental insurance plans encourage you or your dentist to submit a treatment proposal to the plan administrator before starting. The administrator may determine your eligibility, the eligibility period, services covered, your co-payment, and the maximum limitation. Some plans require predetermination for treatment over a specified dollar amount. This is also known as preauthorization, precertification, pretreatment review, or prior authorization.
Annual benefits limitations
To help contain costs, your dental insurance plan may limit benefits by the number of procedures or dollar amount in a given year. In most cases, especially if you’ve been getting regular preventive care, these limitations allow for adequate coverage. By knowing what and how much the plan allows, you and your dentist can plan treatment that will minimize out-of-pocket expenses while maximizing the compensation offered by your benefits plan.
Peer review for dispute resolution
Many dental insurance plans have a peer review mechanism through which disputes between third parties, patients, and dentists can be resolved, eliminating many costly court cases. Peer review aims to ensure fairness, individual case consideration, and a thorough examination of records, treatment procedures, and results. Most disputes can be resolved satisfactorily for all parties.
What They Cover
If you get an individual policy, periodontics and prosthodontics may not be available in the first year of coverage. And orthodontics often requires a rider, in which you pay an additional fee, for any kind of policy.
Most plans follow the 100-80-50 coverage structure. That means they cover preventive care at 100%, basic procedures at 80%, and major procedures at 50%or a larger co-payment. But a dental plan may elect not to cover some procedures, such as sealants, at all.
Limitations of Dental Insurance Plans
Some plans may totally exclude certain services or treatments to lower costs. Know specifically what services the plan covers and excludes.
But there are certain limitations and exclusions in most dental insurance plans that are designed to keep dentistry’s costs from going up without penalizing the patient. All plans exclude experimental procedures and services not performed by or under the supervision of a dentist, but there may be some less obvious exclusions. Sometimes, dental coverage and medical health insurance may overlap. Read and understand the conditions of your dental insurance plan. Exclusions in your dental plan may be covered by your medical insurance.
Timing
There are usually time limits on other services as well, such as X-rays, fillings on the same tooth, crowns and bridges on the same tooth, or fluoride treatments for children. For instance, your policy may pay for a full series of X-rays only once every 3 years.
Preexisting Conditions
What to Do Before a Procedure
If you need a major procedure, you can ask your dentist to submit a pre-treatment estimate. This will help you know what you’ll likely owe after any coinsurance, deductible, and policy maximum.
It’s also smart to understand how your dental plan handles emergencies. Many have provisions for urgent care or after-hours care, but you may owe a deductible, a copay, or a larger percentage of costs.
What to Consider
- Whether your dentist and any specialists you may need are in-network
- Total costs for the plan each year, including premiums, co-pays, and deductibles
- Annual maximum
- Out-of-pocket limit, if any
- Limitations on pre-existing conditions
- Coverage for braces, if needed or anticipated
- Emergency treatment coverage, including treatment if you’re away from home
- Whether you can choose your own dentist
- Who controls treatment decisions: you and your dentist, or the dental plan
- Whether the plan covers diagnostic, preventive, and emergency services, and how much
- What routine treatment is covered
- What major dental care is covered
- Whether you can see the dentist when you need to and schedule appointment times convenient for you
- Who is eligible for coverage under the plan, and when coverage goes into effect
Dental Insurance FAQ
How does dental insurance work? What do I pay for?
Premium
You pay a monthly amount—this is your premium.
Deductible
You pay for a certain amount out-of-pocket for services covered by your plan before your insurance starts paying—this is your deductible.
Coinsurance
After you meet your deductible, you are responsible for a percentage of covered expenses—this is your coinsurance. Most Golden Rule Insurance Company dental plans feature either a 20% or 30% coinsurance.
Copay
Under some dental plans, you might pay a fixed cost for certain services, like X-rays—this is called a copay.
Can I buy dental insurance without having health insurance?
What do most dental insurance plans cover?
Is there a waiting period for dental insurance once I'm covered?
What is the difference between in-network and out-of-network care?
Finally, when you stay in-network, you usually do not have to submit claims yourself. The dental office will handle the paperwork, saving you the cost of your time.
It’s a good idea to check on the number of dentists near you who are in-network before you buy a dental plan. If you already have a dentist, be sure to confirm if he or she is in-network. By choosing an in-network provider, you are making dental care more affordable for yourself.