Dental emergencies always seem to happen at the worst possible times, whether you’re eating dinner or relaxing by the beach. The sudden pain or dental damage can be stressful enough without worrying about the cost. So, how much does an emergency dentist cost? Will dental insurance cover it? Here’s what you should know to prepare for your emergency dental appointment.
What Counts as a Dental Emergency?
Before diving into coverage, it’s important to know what insurers generally consider an “emergency.” This will give you an idea of what might be covered under your plan before you even call your dentist. Most dental emergencies involve pain, bleeding, or injury that needs immediate attention, such as:
- Severe toothaches or infections
- Knocked-out, cracked, or broken teeth
- Lost fillings or crowns
- Swelling or abscesses
- Injuries to the mouth or gums
If the situation threatens your comfort, your ability to eat, or your oral health, it likely qualifies as an emergency. However, it’s always best to check your policy—before you need it!
What Insurance Usually Covers for Dental Emergencies
Most dental insurance plans do cover emergency visits, but what’s included, and by how much, isn’t always straightforward. In general:
- Diagnostic exams (the emergency evaluation) are often fully or partially covered.
- Pain relief treatments like fillings or antibiotics are commonly covered at around 80%.
- Major procedures such as root canals or crowns may fall under a different category with higher copays. However, you can usually expect them to be covered at 50%.
Your out-of-pocket costs will generally depend on the treatment you need, whether your dentist is in-network, your plan’s annual maximum, and whether you’ve met your yearly deductible.
What Dental Insurance May Not Cover
Dental insurance doesn’t always cover cosmetic fixes or non-urgent treatments, even if you want them done quickly. For example, whitening or elective veneer repairs usually aren’t considered emergencies.
If you’re unsure, call your dentist or your insurance provider before you schedule a visit. Many times, your dental team will have knowledge of multiple plans and will be able to tell you what’s covered and what isn’t. They’ll always try to help you make the most of your benefits.
The best time to learn about your coverage is before an emergency strikes. Take some time to review your plan details and ask your dentist what’s included under emergency care. With a plan in place, you’ll be prepared if disaster strikes and find relief from both pain and the stress of fumbling with finances.
About the Practice
Our dental experts at Burncoat Family Dental work closely with patients and their insurance providers to make urgent care as affordable and stress-free as possible. Whether you need a root canal, an extraction, or other emergency dentistry, we’re here to help you find relief fast. Call (508) 852-0168 to schedule an emergency dental appointment with our compassionate team or visit our website to see a full menu of services.