How Does Dental Insurance Payouts Work?
Generally, dental care providers have a list of prices for any dental services or procedures. On the other hand, dental insurance companies have similar fee schedules based on the average fees of procedure on the area. This fee schedule is used as a transactional instrument between the policyholder, dental care offices, and insurance providers.
Dental insurance carriers divide services or procedures and benefits into categories of coverage, including basic, preventive, and major. Usually, dental plans could cover the full cost of preventive dental services, such as cleaning. While for basic procedures such as extractions, root canals, and filings — most insurance providers could cover 70% up to 80% of these procedures. Lastly, for major procedures, such as crowns are can be covered — however, the insured has to pay a higher deductible and higher co-payment.