Sedation can truly be a valuable provision for anyone who is nervous about dental procedures. However, as a frugal and budget-conscious individual, you might also be wondering whether your insurance policy will help cover the costs associated with sedation. In this blog post, you will learn about some key points that you should keep in mind.
Dental Sedation Is Not Usually Covered
Most dental insurance policies do not typically cover sedation because they view it as an elective add-on rather than a necessary part of treatment. However, insurance coverage is not always straightforward. Some plans make exceptions in certain circumstances, so it is worth looking into the details of your policy.
Common scenarios where insurance might offer coverage for dental sedation include:
- You have a documented medical condition that makes it difficult to receive dental care without sedation. This is often the case for patients with special needs.
- You require a complex dental procedure or several procedures during a single appointment. Sedation can make lengthy treatments more efficient for both you and the dental team.
- You are receiving a conservative type of sedation, such as oral conscious sedation.
- Your dentist and insurance provider agree that sedation is medically necessary for your specific situation.
How to Determine If Coverage Is Available
To clarify whether your policy covers dental sedation, take the following steps:
- Carefully review your insurance policy documentation, focusing on any sections about anesthesia or sedation.
- If the policy language is unclear or you need additional guidance, call your insurance provider directly and ask to speak with a representative about your specific situation.
- Discuss your needs for sedation with your dentist’s office. Many dental teams will help you pursue preauthorization or submit necessary information to your insurance provider on your behalf.
What to Do If Sedation Is Not Covered
If you discover that your insurance will not cover dental sedation, you may still have options that can help you receive comfortable care without breaking your budget:
- You may choose to pay out-of-pocket for the type of sedation you prefer. This can be especially worthwhile if you experience dental anxiety or require complicated procedures. Although this can seem expensive, remember that delaying necessary care will only worsen your oral health, which could lead to the need for even higher-cost procedures.
- Ask your dental office about payment plans or low-interest financing options. Many clinics partner with companies that offer manageable monthly payments.
- Even without sedation, rest assured that your dental team will do everything possible to keep you comfortable. Local anesthesia and gentle techniques are always a priority.
Although dental insurance does not always cover sedation, you can take proactive steps to understand your benefits and enjoy a comfortable dental care experience!
Meet the Practice
At Family Dental Practice of Bloomfield, we are pleased to provide both oral conscious sedation and IV sedation in a welcoming, comfortable environment. We charge reasonable fees, welcome insurance, and work with third-party companies to provide low-interest payment plans. To learn more about how we may be able to serve you, contact our office at 860-263-0441.