Dental Insurance Plans For Root Canals – The cost of your root canal will depend on which tooth is affected and the complexity of the problem, with molars usually having more canals and a greater degree of difficulty. It will also depend on whether you have insurance or need to pay out of pocket and whether your dentist or endodontist is in-network or out-of-network. Delta Dental plans cover a range of root canal (endodontic) treatments. The most common procedures and typical amounts charged by dentists are:
Whether or not your insurance will cover your root canal procedure will depend on your specific plan, but it is common for dental insurance plans to cover 50% to 80% of the cost of a root canal after the deductible is met.
Dental Insurance Plans For Root Canals
It is important to know that finding an in-network dentist or endodontic specialist can result in significant savings because these providers have agreed to provide discounts for Delta Dental subscribers as negotiated with Delta Dental. Your portion will be a percentage of this discounted fee. With an out-of-network provider, on the other hand, you pay a percentage of the dentist’s full non-discounted fee. We recommend using our dental care cost estimator to find out how much a root canal procedure might cost you and find an in-network dentist or endodontist here.
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Note that the dentist fee includes all visits and x-rays necessary to complete the root canal treatment (whether it takes one or five visits, the fee is the same). Please also note that these fees do not include the final restoration of the tooth. At a minimum, the tooth will need a new filling and often a crown will be the preferred treatment.
Many people are afraid of root canals. Whether it’s the procedure itself or the costs associated with it, know that with an experienced endodontist or dentist and a good insurance plan, costs can be kept relatively low and follow-up visits minimized. Check your insurance plan to see what kind of coverage you can expect, and as always, contact Delta Dental with any questions you may have. Mutual of Omaha boasts a surprise-free dental insurance plan. With this dental insurance plan, you know what your out-of-pocket costs will be from the start.
The Preferred plan offers slightly more coverage with a $1,500 per calendar year benefit, while the Protection plan offers a $1,000 per calendar year benefit. For both plans, preventive services – two cleanings per year and x-rays – are 100% covered.
Basic services such as fillings, extractions and emergency treatments are covered at 80% on the preferred plan and 50% on the protection plan. Both plans offer 50% coverage for major services such as crowns, dentures, bridges, root canals and periodontics.
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With Mutual of Omaha, you also have the option of adding a vision benefit to your dental policy. Vision benefits will pay for one vision exam per year (up to $50) and up to $150 every two years for glasses or contacts.
Yes. To request a pretreatment estimate for services of $200 or more, call 800-775-1000 and select the dental claim option. Your clients will know in advance whether the policy covers the service or procedure recommended by their dentist and what they can expect their policy to pay.
Currently, Mutual of Omaha does not accept proof of creditable coverage to waive part of the wait time for major services.
After paying for an eye examination, glasses or contact lenses, clients will be refunded up to the maximum amount of the benefit. To request reimbursement, call 800-775-1000 and select the vision benefits claim option. Note: Reimbursement for glasses or contact lenses requires qualified proof of expense (item receipt, explanation of benefits, or other document that records the expense).
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Mutual of Omaha Dental Insurance is available in all states except Massachusetts, New Mexico, New York, Virginia and Washington.
Seniors are searching for dental insurance more than you might think – it’s actually one of the top online lead generators for one of our local agencies. Whether you think dental insurance is a waste of time or not, this is what people are looking for. And you know the saying… give the people what they want!
The fact is that there is a huge need for this in the senior market. Why?
If you want to get started with DVH insurance, you really don’t need a lot of training. We encourage you to call us and ask for Luke Hockaday – he’ll help you get started! (Phone: 888-780-7676; E-mail Luke Hockaday.)
