The amount of dental
reimbursement a dentist receives usually depends on the type of
service he or she has performed on the patient. This is known in
dental plan terminology as “class of service,” which ranges from
Class I to IV. The more extensive the dental treatment was, the less
the coverage will be for the dentist. Class I pertains to diagnostic
and preventive care. Regular checkups, cleanings, and dental x-rays
are usually fully reimbursed.
Class II includes
basic restoration; dental plans usually cover 80 percent of the cost
of root canal and periodontal work. Class III involves advanced
restoration procedures such as installing crowns and dental implants,
and plans usually shoulder half of the cost. Finally, Class IV, which
isn't a regular in dental plans, covers braces. The cost of
orthodontic care is separate from a dentist's annual limit, but
patients under 19 years of age may only be eligible for this type of
reimbursement.
Keep in mind that
most dental plans won't cover you for the whole year, as they usually
set a number on the frequency of exams. They can only cover so many
preventive care exams before dentists have to wait for next year for
reimbursement. Dental plans also include time limits on certain
services such as the replacement of prosthetics and orthodontics.
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