Question about health and dental insurance?

Question

i need major oral surgery.will my medical insurance cover the surgery or should i file under my dental or file for both...

Answer 1

I have met similiar problem before, here is the information that I feel helpful..http://health-insurance.expert-tip.info/...

Answer 2

It depends on what the surgery is.  Call the health insurance company and call the dental company.  If you have the codes from the procedure that will help.

Just because it's your mouth doesn't necessarily mean that it's dental insurance.

http://www.InsurancePickle.com

Answer 3

You have to file your claim with your dental insurance, as health insurance have exclusions for dental procedures. Before you do, check your dental insurance policy to make sure that they cover the surgery. With a lot of carriers, there are different levels of coverage. They'll pay for check ups, cleanings, and x-rays; but that's it. If you opted for the higher level of coverage (that covers fillings, extractions, etc), you will still need to check your coverage limits because there is probably a dollar limit per year that they will pay.

A fair warning though, your dentist/oral surgeon's office should file the insurance claims and do that leg work for you, if they won't then beware. If the office staff is lazy and unwilling to do their job, that attitude might be shared by those performing your surgery. Good luck and take care.

Answer 4

Hello Henry,

Your dental insurance should cover the procedure.  Most health insurance companies are going to decline this claim due to the fact that you're dealing with "teeth".  If your oral surgery is dealing SOLELY with your jaw bone, you may want to speak with your health insurance as to whether or not they will process the claim, but in most cases they will not want to toucn anything that hast to do with the mouth, and will defer it to your dental plan.

Good luck with your surgery!

Kathy K

www.premiumwatchdog.com

Answer 5

Unless you have mouth cancer, or a HEALTH issue, it's going to be dental.  Wisdom teeth, TMJ, that kinda thing, that's all dental.