Blackstone Family Dentistry accepts most major dental insurance carriers including Medicaid/Smiles for Children for patients up to the age of 20. However, there is often confusion about how dental insurance works and what it may or may not cover.
Often, when we present a patient with a treatment, one of the first questions they ask is “Will my insurance pay for it?”
As a courtesy to all our patients, we will call your dental insurance company, tell them what we have planned for you, and we’ll let you know what they will or will not pay for.
One thing you have to keep in mind with dental insurance is that you should probably phrase the question as not so much, “Will my insurance pay for this?”, but more, “Will my insurance help me pay for this?”
Dental insurances doesn’t really cover 100% of anything. You get a few free cleanings per year, depending on your level of coverage, but for the most part, it’s more of a percentage that they’ll pay.
Sometimes it’s 50%, some of the time it’s 80%. Some of the time it’s nothing at all. Of course, you have to keep in mind that you probably have a yearly maximum, or cap, after which your insurance won’t cover anything. For some people, it’s anywhere between $1,000 to $2,000.
The one thing we like to stress to our patients is that keeping financial restrictions in mind is important, but if you need to do something to keep you out of pain or to prevent a problem in the future, we can work with you with payment options and financing options to help you cover the cost where your insurance may fall short.
We don’t want you to not get needed treatment because you’re concerned whether or not your insurance will cover it or you can afford it. We always try our best to work with our patients beyond the limitations of their insurance, to help them get whatever treatment they think is best.