Frequently asked questions about health insurance. Ask questions so you understand why the services are being recommended, validate costs and know that you can decline any additional services if you need to for whatever reason.
Learn about the costs of other common dental procedures like tooth extractions and fillings. 
surgical approaches, Alveolusstabilization of teeth, open reduction splinting, Surgical discectomy; with/without implant, Arthroscopydiagnosis, with or without biopsy, Arthroscopysurgical; lavage and lysis of adhesions, Arthroscopysurgical; disc repositioning and stabilization, Skin grafts (identify defect covered, location, and type of graft), Osteotomysegmented or subapicalper sextant or quadrant, LeFort II of LeFort III (osteoplasty of facial bone for midface hyoplasia
generally, but not to exceed those set forth below.
PROSTHODONTICS, FIXED (EACH ABUTMENT AND EACH PONTIC CONSTITUTE A UNIT
Ask you about any specific oral health concerns you have, update your records with any health conditions or medications youre taking (as some can impact oral health), and consult with you about proper brushing, flossing, and good oral hygiene practices. If youre a senior transitioning from job-based benefits to Medicare, you may need to enroll in a. Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage. 
All dentists
They check for lumps, swelling, discoloration and any abnormality that could indicate a more serious health condition like oral cancer. [3], Teeth Cleaning + Cavity Prevention Dental plans are designed to emphasize preventive care (like teeth cleaning), typically by covering 100% of the cost of certain preventive care services (office visit copays typically still apply). That said, it may make financial sense to do additional services while youre there. Whenever a dentists fees exceed those listed herein, complete written additional
Dental insurance policies typically cover these types of basic services at around 70-80%, meaning you pay 30 to 40% of the cost[30] after youve paid your deductible amount.
reattachments, revision of soft tissue attachments, and management of hypertrophied and
clasps and pontics), Upper precisionpartial, fitted to crowns, Lower precisionpartial, fitted to crowns, Replace missing or broken teethcomplete denture (each tooth), Reline complete upper denture (chairside), $Reline complete lower denture (chairside), Reline complete upper denture (laboratory), Reline complete lower denture (laboratory), Reline upper partial denture (laboratory), Reline lower partial denture (laboratory), Tissue conditioning, upperper denture unit, Tissue conditioning, lowerper denture unit, Unspecified removable prosthodontic procedure, Mandibular resection prosthesis with guide flange, Trismus appliance (not for TMD treatment), Implant maintenance procedures, including; removal of prosthesis,
THIS IS A SOLICITATION OF INSURANCE BY IHCSB. Annual or Bi-Annual Checkup Connect with a licensed insurance agent at (888) 855-6837, According to a 2017 poll, 40% of U.S. adults dont get regular cleanings or other preventive care. X-rays (radiographs) and other diagnostics may be part of the appointment as well and add cost. and teeth), Lower partialresin base (including any conventional clasps, rests
The dentists office can be a nervewracking experience.
If youre ready to start comparing dental insurance plans, costs and coverages, get a quick dental quote now or call (888) 855-6837 to speak with an agent about your needs and available options. Teeth cleaning, also sometimes referred to as prophylaxis, involves the removal of plaque, calculus, and stains from teeth, and is typically performed as part of an annual or bi-annual dental checkup.[7].
Dental insurance isnt the only way to get access to funds or reduced rates for preventive care services. Form No.25D, sign the form at the place indicated,
Learn more about how dental insurance works. [29] Find out how much other common dental procedures typically cost. The dentist or hygienist may also discuss your oral healthcare habits, make recommendations about lifestyle changes or cosmetic procedures and answer your questions. Dealing With Anxiety at the Dentists Office. conventional clasps, rests and teeth, Removable unilateral partial dentureone piece cast metal, (including
LESIONS), COMPLICATED SUTURING (RECONSTRUCTION REQUIRING DELICATE HANDLING OF TISSUES AND WIDE
[14] Typically, four bitewings are taken as a set.
MAXILLOFACIAL PROSTHETICS, 06200-06999 IX. Cant you just go to the dentist when youre experiencing tooth pain or trouble chewing? Credit Card: You can generally use a credit card at the dentists office. As outlined above, a lot of preventive dental care services are relatively affordable, especially if your gums and teeth are in good shape and you dont require additional diagnostics or follow-up services.
Examine your mouth and gums to evaluate their overall health, including screening for oral cancer. displaced tooth and/or alveolus, Surgical exposure of impacted tooth or unerupted tooth for othodontic
and teeth), Upper partialcast metal base with resin saddles (including any
Additional fixed indemnity benefits to help when youre hospitalized. areolar tissue, Removal of reactionproducing foreign bodiesmuscuoskeletal
conventional clasps, rests and teeth), Lower partialcast metal base with resin saddles (including any
[24], Sometimes just knowing what to expect during your visit can help ease concerns. ), Apicoectomy/Periradicular surgeryanterior, Apicoectomy/Periradicular surgerybicuspid (first root), Apicoectomy/Periradicular surgerymolar (first root), Apicoectomy/Periradicular surgery (each additional root), Intentional replantation (including necessary splinting), Surgical procedure for isolation of tooth with rubber dam, Hemisection (including any root removal), not including root canal therapy, Canal preparation and fitting of preformed dowel or post, Gingivectomy or gingivoplastyper quadrant, Gingival cuterrage, surgical, per quadrant, by report, Gingival flap procedure, including root planingper quadrant, Crown lengtheninghard and soft tissue, by report, Osseous surgery (including flap entry and closure)per quadrant, Bone replacement graftsingle site (including flap entry and closure), Bone replacement graft multiple sites (including flap entry and closure), Guided tissue regeneration (includes the surgery and reentry), Free soft tissue graft procedure (including donor site), Periodontal scaling and root planingper quadrant, Periodontal scaling performed in the presence of gingival inflammation, Periodontal maintenance procedures (following active therapy), Unscheduled dressing change (by someone other than treating dentist), Unspecified periodontal procedure, by report, Upper partialresin base (including any conventional clasps, rests
Individual (self-only or family) policies can either be purchased directly from an insurance carrier year-round, or from the Affordable Care Act (ACA) Exchange during the annual open enrollment period when you sign up for an ACA health plan. ), Apexification/recalcification interim medication replacement (apical
Heres what you can expect during a routine dental exam. Well cover those two important topics below, and also talk more about why routine dental exams are important and how to ease anxiety about visiting the dentist. In the case of a dental school, the procedure is performed by a dental student that is being monitored by an experienced, licensed dentist. reasons (including orthodontic attachments), Surgical exposure of impacted or unerupted tooth to aid eruption, Alveoplasty in conjuction with extractionsper quadrant, Alveoplasty not in conjunction with extractionsper quadrant, Vestibuloplastyridge extention (secondary epithelialization), Vestibuloplastyridge extention (including soft tissue grafts, muscle
4319 Mail Service Center Raleigh, NC
When the day of your appointment rolls around, make sure you have your ID card if you have dental insurance, a way to pay your portion of costs that day, and any other paperwork your dentists office may require.
IHC Specialty Benefits, Inc., 5353 Wayzata Blvd, Ste. Procedures not listed below are by
In offering this website, IHCSB is required to comply with all applicable federal law. If it turns out that you need services to address problems that turn up at your annual dental exam, thats where the costs can start to add up and dental insurance may be helpful. Want to get insurance to help with the costs of preventive care like annual dental checkups and teeth cleaning? (Even with the estimates provided above, youll still want to get this information from the provider youre visiting.). Learn more about the typical cost of dental insurance. Standard Diagnostics Procedures There are many reasons people avoid the dentist, and many reasons, including better overall health, to regularly visit your dentist for annual or bi-annual check-ups and teeth cleanings. Adopting Revised Fees for Dentists, Intraoralcomplete series agents (including bitewings), by report, Intraoralperiapical each additional film, Posterioranterior or lateral skull and facial bone survey film, Temporomandibular joint arthrogram, including injection, Bacteriologic studies for determination of pathologic agents, Other oral pathology procedures, by report, Unspecified diagnostic procedure, by report, Topical application of fluoride (including
And if its a low or no-interest card, it may be reasonable for you to self-finance routine dental care like teeth cleaning on a credit card and pay it off over time. (including treatment plan, clinical procedures, and follow-up care), Apexification/recalcification initial visit (apical closure/calcific
The dentist should charge for
This usually involves some gentle poking in your mouth, around your tongue, and around your neck and jaw. Additionally, dentists typically check not just your gums and teeth, but your head and neck muscles, jaw, tongue, and salivary glands. With a discount plan, when you obtain dental services you directly pay your provider a discounted rate for the service as opposed to your provider submitting a claim for services to an insurance company and getting reimbursed by them.[35]. If you think you cant afford teeth cleaning because you dont have dental insurance, you may be surprised to find out that preventive dental procedures like cleanings, exams and fluoride treatments may be relatively affordable. rendering treatment to Workers Compensation claimants must prepare a full itemized
It may be especially important for seniors to have dental insurance as they tend to have more teeth and gum issues,[31] and to start kids off right with good oral health habits and to help them feel comfortable at the dentists office. Dental insurance may increase your likelihood of visiting the dentist and make the services you obtain more affordable. In addition to annual dental exams, teeth cleaning, and bitewing X-rays, other preventive care procedures like fluoride treatment[26] and tooth sealant for some age groups may be 100% covered by dental policies. Often, people with dental insurance obtain coverage through their employer. Industrial Commission Home Page, N.C. Industrial Commission
Does that make dental insurance a good deal? Adopting Revised Fees for Dentists, Return to N.C.
or retrusion)without bone graft, Osseous, osteoperiosteal, periosteal, or cartilage graft of the
It depends. Product availability may vary based on state. how much other common dental procedures typically cost, start kids off right with good oral health habits, Affordable Care Act (ACA) Exchange during the annual open enrollment period, Learn more about the typical cost of dental insurance, Being injected with needles (especially in the mouth). And even if dental insurance isnt available to you right now, there may be other options to help get you to the dentist for preventive care. statement of services rendered on I.C. ), Apexification/recalcification final visit (includes completed root canal
If you dont have insurance, ask how much the exam costs and if there are any additional fees, taxes, or costs to consider. [34], Dental Discount Plan: These are not insurance plans. Remember, the ACA requires that medical plans offer pediatric benefits for children 18 and under, however, there is no requirement for adults.
X-rays are also commonly referred to as dental radiographs. Bitewings are a common type of dental X-ray that show the tooth below and above the gum line and can help diagnose gum disease and cavities that are located between teeth. In fact, between 9% and 20% of Americans avoid going to the dentist because of anxiety or fear. Remember, if youre concerned about needing additional services like fillings, thats where dental insurance may help. therapyapical closure/calcific repair of perforations, root resorption, etc. Youll need to get pricing from local providers for any services youre considering. HSAs: If you have a health savings account (HSA) you can typically use those funds for dental services but check with the IRS to ensure you are using the funds correctly.
other services performed, Office visitafter regularly schedule hours, Treatment of complication (post-surgical) unusual circumstances. Make sure you know how to get to your dentists office, what the parking situation will be when you get there and allow yourself enough time. Annual or bi-annual dental exams can help catch and treat tooth decay and gum disease early, keeping these from becoming more serious problems later and requiring more invasive and expensive treatment, like root canals. Running late and worrying about where to park are stressors that may be avoidable.
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