{"id":541,"date":"2024-03-21T11:30:00","date_gmt":"2024-03-21T11:30:00","guid":{"rendered":"https:\/\/www.comaldental.com\/blog\/?p=541"},"modified":"2024-04-15T15:11:48","modified_gmt":"2024-04-15T15:11:48","slug":"will-dental-insurance-cover-an-emergency-visit","status":"publish","type":"post","link":"https:\/\/www.comaldental.com\/blog\/will-dental-insurance-cover-an-emergency-visit\/","title":{"rendered":"Will Your Dental Insurance Cover an Urgent Emergency Visit?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.comaldental.com\/blog\/wp-content\/uploads\/2024\/04\/AdobeStock_456362951-19-1.jpeg\" alt=\"A patient looking at a dental insurance form\" class=\"wp-image-542\" width=\"297\" height=\"198\" srcset=\"https:\/\/www.comaldental.com\/blog\/wp-content\/uploads\/2024\/04\/AdobeStock_456362951-19-1.jpeg 800w, https:\/\/www.comaldental.com\/blog\/wp-content\/uploads\/2024\/04\/AdobeStock_456362951-19-1-300x200.jpeg 300w, https:\/\/www.comaldental.com\/blog\/wp-content\/uploads\/2024\/04\/AdobeStock_456362951-19-1-768x512.jpeg 768w\" sizes=\"(max-width: 297px) 100vw, 297px\" \/><\/figure><\/div>\n\n\n<p>A <a href=\"https:\/\/www.comaldental.com\/emergency-dentistry.html\">dental emergency<\/a> is a hard thing to handle alone. After all, it\u2019ll leave you worrying about lost teeth, ruined smiles, or worse. That said, you also shouldn\u2019t have to worry about whether insurance can foot the bill. Luckily, it\u2019s easy to address that concern before your trip to the dentist. To that end, here\u2019s a primer on why dental insurance can cover an emergency visit.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Don\u2019t Forget the 100-80-50 Rule<\/h2>\n\n\n\n<p><s>M<\/s>ost dental plans do cover urgent oral care. In fact, they tend to view emergency dental work as a vital expense. However, your plan will likely require you to meet a deductible or co-pay. Coverage for dental emergencies often sticks to the 100-80-50 rule. That means covered treatments fall into three categories:<\/p>\n\n\n\n<ul>\n<li><strong>Preventive Services <\/strong>\u2013 Dental insurance almost always covers preventive work at 100%. The latter services include dental checkups, teeth cleanings, oral X-rays, etc.<\/li>\n\n\n\n<li><strong>Basic Procedures <\/strong>\u2013 Insurance will often cover 80% of a basic procedure\u2019s price. That rate applies to dental fillings, root canals, and simple extractions.<\/li>\n\n\n\n<li><strong>Major Procedures <\/strong>\u2013 Dental restorations like bridges and implants get the least coverage. These major procedures usually only have 50% of their cost covered.<\/li>\n<\/ul>\n\n\n\n<p>In a dental emergency, the relevant treatments are often basic and major procedures. Thus, a dental insurance plan will likely cover much of the cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Confirm Your Dental Plan\u2019s Type<\/h2>\n\n\n\n<p>If you didn\u2019t know, most dental plans are either PPOs or DHMOs. You can see dentists in and out of network with a PPO, but the co-pay is lower for in-network practices. In contrast, you can only visit an in-network dentist under a DHMO. Any dental care outside the network won\u2019t qualify for coverage.<\/p>\n\n\n\n<p>Given these facts, you\u2019d be wise to note your plan\u2019s type alongside the 100-80-50 rule. Your urgent care will cost more or less depending on the specific dental insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Financing Options Exist<\/h2>\n\n\n\n<p>Even if your insurance isn\u2019t great, other ways exist to finance urgent oral care. Just look at a given dental practice\u2019s payment options; they can make your emergency visit budget-friendly.<\/p>\n\n\n\n<p>For instance, see whether a dentist offers flexible financing. Many dental providers now allow patients to work with third-party financiers. Using such groups, you could pay for your dental emergency through monthly installments. That setup lets you slowly meet the cost of care instead of all at once.<\/p>\n\n\n\n<p>Urgent dental care is always worthwhile, but even more so if you have a dental plan. Your dental insurance really can cover an emergency visit. So, don\u2019t hesitate to consult your dentist for more precise details.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.comaldental.com\/\"><em>Comal Dental<\/em><\/a><em><u> <\/u><\/em><em>is based in New Braunfels, TX. Led by <\/em><a href=\"https:\/\/www.comaldental.com\/meet-dr-haag.html\"><em>Drs. Haag<\/em><\/a><em> and <\/em><a href=\"https:\/\/www.comaldental.com\/meet-dr-hansen.html\"><em>Hansen<\/em><\/a><em>, our practice wants each patient to achieve their dream smile. We help you reach that goal by offering preventive, cosmetic, and restorative services, as well as emergency oral care. Our dental team will always be ready to assist your teeth and gums! For more details or to book a visit, you can reach us on <\/em><a href=\"https:\/\/www.comaldental.com\/contact.html\" target=\"_blank\" rel=\"noreferrer noopener\"><em>our website<\/em><\/a><em>&nbsp;or by phone at&nbsp;<strong>(830)-625-1515.<\/strong><\/em><em><u><\/u><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A dental emergency is a hard thing to handle alone. After all, it\u2019ll leave you worrying about lost teeth, ruined smiles, or worse. That said, you also shouldn\u2019t have to worry about whether insurance can foot the bill. Luckily, it\u2019s easy to address that concern before your trip to the dentist. To that end, here\u2019s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will Dental Insurance Cover an Emergency Visit? | Comal Dental<\/title>\n<meta name=\"description\" content=\"So, can your dental insurance cover an emergency visit? 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