At Apex Oral Surgery and Dental Implants , we understand that oral surgery can be an important investment in your oral health.
We’re committed to providing you with the information you need to make informed decisions about your care.
That’s why we’re covering some basic insurance and financing options that may be available, so your oral health isn’t ultimately dictated by a price tag.
Health Insurance & Oral Surgery
Health insurance may cover some or all oral surgery costs, but it depends on your specific policy details. Here’s a brief overview of how health insurance might be used for some of your oral surgery costs.
Medically Necessary Procedures
Health insurance typically covers procedures deemed medically necessary, impacting your overall health. Complex tooth removals due to severe infection or risk of spreading infection.
Insurance can also be used in diagnostic situations. One common one we handle here at Precision Dental Implants & Oral Surgery would be oral cancer screenings through our oral pathology services.
Repairing damage after facial trauma is another scenario where insurance can cover costs associated with the procedures. Jaw surgery or correcting facial deformities caused by accidents or removing cancerous tissue might be covered by your insurance.
Factors Affecting Coverage
Again, those are general scenarios where insurance might cover some of the costs associated with your procedure. We say they might cover it for several reasons.
First, everyone’s insurance is different, so your insurance may cover more or less of the cost based on its specific terms. The terms may outline which medical situations are covered, which are not. It may also ask for pre-approval for specific procedures.
Consult Your Insurance Provider
Navigating insurance by yourself can be a confusing endeavor. That’s why we will help you in any way we can to maximize the benefits you pay for through your insurance premiums.
If you decide Apex Oral Surgery, we can discuss the planned surgery and go over billing codes so you can verify with your insurance detailed coverage for those specific codes.
It’s important to remember you will be responsible for charges not covered by your insurance company including co-pays, deductibles, and the remaining balance.
Financing Options for Oral Surgery
Financing options may work well in your situation and can be used independently or in conjunction with insurance. There are multiple healthcare financing companies like CareCredit, Clear Cage, and Ally.
These companies are specifically designed for medical and dental procedures. These companies offer various financing plans, including promotional periods with no interest if paid within a certain timeframe. You can pre-qualify them online and use it at many oral surgery practices.
There are third-party medical lending companies that specialize in financing medical and dental procedures. These typically have a wider range of credit score requirements compared to CareCredit, but interest rates might be higher. Thorough research and comparison of terms are recommended before choosing a lender.
You can use your existing credit card to pay for oral surgery. However, be mindful of the interest rates and potential impact on your credit utilization ratio. This option might be suitable for smaller procedures or when combined with other financing methods.
Before deciding the financing option that works best for you, here are some things to consider:
- Shop around: Compare the interest rates and terms of different financing options before deciding.
- Consider your budget: Choose a payment plan that fits comfortably within your monthly budget.
- Understand the terms: Make sure you understand all the terms and conditions of any financing option, including interest rates, fees, and repayment timelines.
It’s important to discuss financing options with your oral surgeon’s office. They can provide information on the different plans they offer or recommend resources for exploring other financing options.
Contact Our Office
The actual cost of your procedure will depend on the surgery and the complexity of the procedure.
Our friendly staff will work with you to get the most out of your insurance and answer any questions you may have about how it third-party financing may be the way to go.
If you have any questions about the insurances we work with, how the financing may work, or questions about any of the procedures we perform, don’t hesitate to contact our office today.
