What To Do When Dental Insurance Won T Pay?

Visiting the dentist is an essential part of maintaining our dental hygiene. However, it can be frustrating when dental insurance refuses to pay for necessary procedures. What can you do when that happens? In this article, we will explore some…

Visiting the dentist is an essential part of maintaining our dental hygiene. However, it can be frustrating when dental insurance refuses to pay for necessary procedures. What can you do when that happens? In this article, we will explore some options and steps to take when dental insurance won’t pay.

What to Do When Dental Insurance Won T Pay?

What to Do When Dental Insurance Won’t Pay?

Dental insurance is a useful tool that can help you cover the costs of dental care. However, sometimes dental insurance won’t pay, leaving you with unexpected expenses that can be difficult to manage. Here’s what you can do when your dental insurance won’t pay.

1. Understand Your Dental Insurance Policy

The first step to take when your dental insurance won’t pay is to understand your policy. Dental insurance policies can be complex, with many different types of coverage and limitations. Make sure you read your policy carefully to understand what is covered and what is not.

If you’re not sure about your policy, contact your dental insurance provider and ask for clarification. They can help you understand what is covered and what your options are.

2. Contact Your Dental Provider

If your dental insurance won’t pay, the next step is to contact your dental provider. They may be able to help you work with your insurance company to resolve the issue.

Your dental provider can also provide you with information about alternative treatments or payment options that may be available to you.

3. File an Appeal

If your dental insurance won’t pay for a treatment that you believe is necessary, you can file an appeal. This process allows you to present your case to your insurance company and make a case for why the treatment should be covered.

Make sure you provide as much information as possible when filing an appeal, including documentation from your dental provider and any other relevant information.

4. Consider Alternative Payment Options

If your dental insurance won’t pay, you may need to consider alternative payment options. Some dental providers offer payment plans or financing options that can help you manage the cost of your care.

You can also consider using a credit card or taking out a personal loan to cover the cost of your treatment.

5. Look for Discounts or Coupons

Another option to consider when your dental insurance won’t pay is to look for discounts or coupons. Some dental providers offer discounts for cash payments or coupons for certain treatments.

You can also look for dental savings plans or discount cards that can help you save money on your dental care.

6. Negotiate with Your Dental Provider

If you’re facing unexpected dental expenses, you may be able to negotiate with your dental provider. They may be willing to offer a discount or work with you to develop a payment plan that fits your budget.

Make sure you’re clear about your financial situation and what you can afford to pay. Your dental provider may be more willing to work with you if they understand your situation.

7. Consider Changing Dental Insurance Providers

If you’re consistently having issues with your dental insurance provider not covering necessary treatments, you may need to consider changing providers. Look for a dental insurance policy that provides more comprehensive coverage and fewer limitations.

Make sure you read the policy carefully and understand what is covered before making a decision.

8. Advocate for Yourself

When your dental insurance won’t pay, it can be frustrating and overwhelming. However, it’s important to advocate for yourself and your dental health.

Make sure you speak up and ask questions when you’re not sure about your coverage. Don’t be afraid to file an appeal or negotiate with your dental provider.

9. Consider the Benefits of Dental Insurance

While it can be frustrating when your dental insurance won’t pay, it’s important to remember the benefits of having dental insurance. Dental insurance can help you manage the costs of your dental care and ensure that you receive the treatments you need.

Make sure you take advantage of your dental insurance coverage and stay up-to-date on your dental health.

10. Compare Dental Insurance Providers

If you’re not happy with your current dental insurance provider, consider comparing providers to find a policy that better meets your needs. Look for a policy that offers comprehensive coverage, affordable rates, and good customer service.

Make sure you read the policy carefully and understand what is covered before making a decision. With the right dental insurance policy, you can ensure that you receive the care you need without breaking the bank.

Frequently Asked Questions

Dealing with dental insurance can often be a frustrating and confusing experience. If your dental insurance won’t pay for a procedure or treatment, it can be especially stressful. Here are some common questions and answers to help you navigate this situation.

1. Why won’t my dental insurance pay for a certain treatment or procedure?

There are several reasons why dental insurance may not cover a specific treatment or procedure. It could be that the treatment is considered elective rather than necessary for your dental health. Alternatively, your insurance policy may have certain exclusions or limitations that prevent coverage for certain procedures. It’s also possible that the treatment was not pre-authorized by your insurance company.

If you’re unsure why your insurance won’t pay for a specific treatment, it’s a good idea to contact your provider directly to ask for more information.

2. What should I do if my insurance won’t pay for a necessary treatment?

If your dentist has recommended a treatment that is necessary for your dental health, but your insurance won’t cover it, there are a few options you can consider. First, you can try to appeal the decision with your insurance provider. You’ll need to provide additional information about why the treatment is necessary and why it should be covered by your policy.

If your appeal is unsuccessful, you may need to consider alternative payment options. Some dentists offer payment plans or financing options that can help make necessary treatments more affordable. You can also consider using a dental savings plan or seeking treatment at a dental school or community clinic.

3. Is it ever possible to get insurance to pay for an elective treatment?

While it can be difficult to get insurance to cover elective treatments, it’s not impossible. In some cases, your dentist may be able to make a case to your insurance provider that a particular treatment is necessary for your overall dental health, even if it’s not strictly required. Additionally, some insurance plans offer coverage for certain elective treatments, such as orthodontics or cosmetic dentistry.

If you’re considering an elective treatment, it’s a good idea to check with your insurance provider to see what’s covered under your policy.

4. Can I switch dental insurance providers if I’m not happy with the coverage?

Yes, it’s possible to switch dental insurance providers if you’re not satisfied with your current coverage. However, it’s important to do your research and make sure you understand the coverage and limitations of any new policy before you make the switch. You’ll also want to make sure that your preferred dentist is in-network with your new provider, as going out-of-network can lead to higher costs.

It’s a good idea to speak with a few different insurance providers to compare coverage and pricing before making a decision.

5. How can I prevent insurance from denying coverage in the future?

The best way to prevent insurance from denying coverage in the future is to understand your policy and work with your dentist to develop a treatment plan that’s covered under your policy. Before receiving any treatment, make sure to verify with your insurance provider that the treatment is covered and pre-authorized if necessary.

You can also consider getting a pre-treatment estimate from your insurance company to ensure that you understand your out-of-pocket costs before receiving treatment.

What to do if you don’t have dental insurance?


In conclusion, dealing with dental insurance can be frustrating, especially when they refuse to pay for your dental procedures. However, there are steps you can take to resolve the issue and still get the dental care you need.

Firstly, it’s important to understand your dental insurance policy and what it covers. This will help you negotiate with your insurance company and provide them with the necessary documentation to justify your claim.

Secondly, if your insurance company still refuses to pay, consider appealing their decision. This involves gathering additional evidence and presenting a case to an independent reviewer.

Lastly, if all else fails, you can always ask your dentist about payment plans or alternative treatment options that may be more affordable. Remember, your dental health is important, and there are always solutions to help you get the care you need.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *