Oral and maxillofacial surgery in Richmond, Indiana, isn’t always covered by insurance.
As a general rule, insurance plans only cover surgical procedures that are medically necessary. Patients need to fund elective surgeries and dental enhancements themselves. The good news? If your surgery isn’t covered by insurance, you have several options to make the costs more affordable.
Surgical Procedures Most Insurance Plans Cover
Oral and maxillofacial procedures are often done to correct medical problems. If a condition threatens your health, your insurance plan should cover some or all the costs of surgery.
Procedures that are likely to be covered include:
- Surgery to correct a congenital birth defect or facial deformity
- Treatment for abnormalities in the structure of the jawbone
- Removal of tumors or cysts in the jaws or oral cavities
- Procedures to repair facial injuries resulting from physical trauma
Procedures Typically Not Covered by Insurance
Oral and maxillofacial procedures that are considered to be elective aren’t usually covered by insurance. If treatment isn’t strictly necessary to preserve or protect your health, the costs will probably be in your hands.
Surgeries that are commonly considered elective include:
- Tooth extraction — even wisdom teeth removal
- Dental implant surgery and placement of implant-supported dentures
- Bone grafting and other procedures to prepare for tooth restoration
- Treatment for temporomandibular joint (TMJ) disorder
- Procedures for the treatment of obstructive sleep apnea (OSA)
In cases where non-invasive forms of treatment have failed, surgical procedures that are ordinarily considered elective may be covered by insurance. For example, if you have sleep apnea and the condition can’t be managed with a CPAP machine, you may not have to pay for surgical treatment yourself.
How to Afford Oral and Maxillofacial Surgery Without Insurance
Let’s say your insurance plan doesn’t cover the costs of your surgical procedure. What can you do to make treatment more affordable?
First of all, talk to the financial staff at your surgeon’s office. For some procedures, you might get a discount if you can pay in cash. And if that’s not an option, you may be able to make payments over time.
Enrolling in a dental discount plan is another potential approach — and while you’ll have to pay a monthly or annual fee, you might see major savings. Depending upon the surgical procedure you need, the costs could end up being thousands of dollars less.
Are you in need of surgical treatment? The financial staff at Richmond Oral and Maxillofacial Surgery in Richmond, Indiana, understands the intricacies of insurance coverage and can handle your claim. In the event your procedure isn’t covered, we’ll work with you to find an affordable payment solution.
For more on covering the costs of oral and maxillofacial surgery in Richmond, Indiana — with or without insurance — contact our office today.