If you have a root canal treatment coming up, then you are probably wondering whether your dental plan will pay for it or not. Well, dental insurance may or may not pay for your root canal treatment depending on the specifics of your case. For example, it may pay for the treatment if:
You Have Not Exceeded the Maximum Yearly Benefits
Most medical plans limit the maximum claim you can make per year. Therefore, your insurance carrier will only pay for your root canal if you haven't exceeded your limit for the year. For example, you will be out of luck if your yearly limit is $2,000 and you have already got $2,000 worth of dental treatments for the year. Don't forget that delaying a root canal isn't advisable because you may lose the tooth; its best to look for alternative sources of payments if your insurer can't provide it.
It's the First Root Canal for the Tooth
Dental plans, just like other forms of insurance coverage, have their restrictions. For example, a common restriction applies to the number of root canal treatments you can have per tooth. In most cases, you will only be allowed one treatment per tooth for your lifetime or one treatment per tooth per specified number of years. Therefore, if your previously treated tooth has failed and you need another root canal, you may have to pay for it out of your own pocket.
The Waiting Period is Over
Insurance coverage is meant to cover for unforeseen risks and not risks that you are already grappling with. That is why most forms of insurance have waiting periods; the waiting period means you can't buy dental coverage today and use it for a root canal the next day. In some cases, the root canal for extensive or expensive treatments such as a root canal may be as long as one year. Those who benefit most from dental plans are those who bought them when they didn't need the coverage.
You Are Being Treated by a General Dentist
A root canal treatment can either be perfumed by a general dentist or a specialist such as an orthodontist. Specialists generally charge higher rates than general dentists. However, most dental plans don't distinguish such things and have the same rates for both general and specialist dentists. This means your insurance carrier is only likely to pay your treatment in full if you get it from a general dentist like Pacific Ave Dental/Allan L. Hablutzel, DDS.