For reasons still unknown to many dentists, insurance caps are a little too unreasonably low to be particularly effective for many people. Insurance companies provide yearly caps for how much they are willing to spend for coverage. The idea is simple, but it falls apart for many patients in practice. For example, a typical cap is $1,500, which is often the cost of a single root canal (on the low end).
Patients are left paying out of pocket for the remaining work or receiving half of a single root canal, which is obviously inefficient. Insurance caps are an expected reality of insurance, and they might be necessary to keep monthly costs reasonable. Fortunately, there are ways to apply different insurance features to lessen the cost and broaden that frustrating insurance cap.
Supplemental coverage comes in when the cost of a surgery or dental procedure is far past the cap. Patients can still get covered for the care, but they add a supplemental feature to account for the costs. Supplemental plans have no cap. Patients can also request no waiting period. Supplemental plans can be expensive because they are usually only applied in the face of a large procedure.
Traditionally, supplemental insurance coverage is temporary. It is only applied for a year or two, which is typically the amount of time needed to complete a bigger dental surgery. The supplemental coverage will leave the insurance policy after the surgery is complete or within 12 months of obtaining it, bringing the insurance costs down for the foreseeable future. Always weigh the costs of obtaining the insurance.
There is often a waiting period for supplemental. It could be as little as two weeks or as high as six months. The waiting period is to protect insurance providers from the pre-existing conditions clause. Request the waiting period details from an insurance representative.
As frustrating as insurance so often is, it is a necessary part of being cared for. Work with it, not against it, by applying its many features. Patients can also look at this now for more information about the many variables of dental care.