I went to the dentist today and I need to get a mouth guard. My insurance covers the cost 80% plus deductible.
I’ve never had to use my insurance for more than preventative care so I don’t quite understand deductibles.
Basically since I haven’t paid any deductibles will I have to pay full price for the mouth guard? Or is it a set amount I pay.
In: Other
You have to pay the deductible, then the insurance covers 80% of the rest. For dental insurance, you probably have to pay the deductible only once per year for non-preventive services.
So if you have a $50 deductible, and the procedure is $550, you pay $50 plus 20% of $500, for a total of $150.
Also, this is assuming your dentist is in-network with your insurance. If they aren’t, you’ll almost definitely be paying extra. Insurance pays 80% up to a certain contracted amount, and the rest is either up to the dentist to waive (if they are in network) or you have to pay it (if they aren’t).
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