Will Health Insurance Cover Oral Surgery?
Can oral surgery be covered by a health insurance policy? And, if so, is it paid for with the same rates as normal? This is important information to know. Unfortunately, many people are unaware of this fact.
The truth is that no dental or oral surgery can be paid for out of your health insurance plan. Oral surgery in general is not covered by dental or health insurance plans. There are many reasons why oral surgery should not be paid for with an insurance plan. One of the most common reasons is because it is considered cosmetic. If you consider yourself overweight, the chances are you will qualify for the state’s cosmetic surgery exemptions.
When you get an oral surgery, the surgery will be performed on the patient and usually it will be paid for with the insurance plan. But, the insurance company has a hard time believing that the surgery will be in any way beneficial for your health.
Can Oral Surgery Be Paid For With A Health Insurance Policy?
An even more negative experience for your insurance company is that sometimes, a patient finds out that they have done an oral surgery and it turns out they have an infection after all. The insurance company could find themselves paying hundreds of thousands of dollars. So they find it very difficult to justify paying for the surgery at all.
For those who receive good coverage for the surgery, they have a positive experience. Most of the time, this type of coverage does not pay for the surgery itself. It usually pays for anesthesia, pre-surgery care, and any recovery time that are required after the surgery. In other words, it pays for the following three things:
Of course, not everyone who receives such coverage is happy with it. Those who receive poor coverage often resort to seeking outside help to afford their cosmetic surgery.
In the end, the best thing to do is to get a policy that covers all dental, oral and surgical expenses. While it may cost a little more, it is worth it when you consider how much it will save you in the long run.