Delta Dental is one of the largest dental insurance providers in the United States, offering coverage to millions of individuals and families. If you are considering getting a dental crown, you may wonder if Delta Dental covers this type of procedure. In this article, we will explore the details of Delta Dental coverage for crowns and provide you with all the information you need to make an informed decision.
1. Understanding Dental Crowns
Dental crowns, also known as caps, are dental restorations that are placed over a damaged or decayed tooth. They protect the tooth and restore its shape and function. Crowns can be made from various materials, including porcelain, metal, or a combination of both. They are commonly used for teeth that have large cavities, fractures, or extensive cosmetic issues.
Now that we have an understanding of what dental crowns are, let's explore Delta Dental's coverage for this procedure.
2. Delta Dental Coverages
Delta Dental offers different types of plans, including Delta Dental Premier and Delta Dental PPO, each with its specific coverage details. While coverage may vary depending on the plan you have, dental insurance typically covers a portion of the cost of dental crowns.
Most Delta Dental plans cover crowns as a major restorative procedure. However, it is essential to check the specifics of your plan to determine the coverage percentage and any limitations or waiting periods.
3. Coverage Percentage
Delta Dental plans usually cover a certain percentage of the cost of dental crowns after the deductible and coinsurance requirements are met. The coverage percentage can range from 50% to 80% of the total cost.
For example, if the total cost of a dental crown is $1,000 and your plan covers 80%, Delta Dental will typically reimburse you $800, and you will be responsible for the remaining $200.
4. Limitations and Waiting Periods
Some Delta Dental plans may have limitations or waiting periods for major restorative procedures like dental crowns. A waiting period is a specified period that must pass before certain services will be covered. It is essential to review your plan documents or contact Delta Dental directly to understand any waiting periods or limitations that may affect your coverage for crowns.
Now that we have covered the coverage details, let's take a look at the average cost of dental crowns and the factors that can affect their pricing.
5. Average Cost of Dental Crowns
The average cost of a dental crown can vary depending on various factors such as the material used, the geographic location, and the complexity of the case. On average, a dental crown can cost between $800 and $1,500 per tooth.
It is important to note that this cost is an estimate, and prices can vary significantly. Factors such as the need for additional procedures like root canals or build-up can increase the total cost of crown placement.
6. Factors Affecting Crown Pricing
Several factors can influence the pricing of dental crowns. These include:
i. Material:
The material used for the crown can impact its cost. Porcelain-fused-to-metal crowns are generally less expensive than all-porcelain or all-metal options.
ii. Location:
The cost of dental services can vary depending on the geographic location. Metropolitan areas tend to have higher prices compared to rural areas.
iii. Specialist vs. General Dentist:
The fees charged by specialists, such as prosthodontists, may differ from those charged by general dentists.
iv. Additional Procedures:
If additional procedures are required before placing the crown, such as root canals or build-up, the total cost may increase.
7. Frequently Asked Questions
Q: Is Delta Dental the only insurance company that covers dental crowns?
A: No, there are other dental insurance providers that also offer coverage for dental crowns. It is always recommended to research and compare different insurance plans to find the one that best suits your needs.
Q: Can I get a dental crown if I don't have dental insurance?
A: Yes, you can still get a dental crown even if you do not have dental insurance. Many dental offices offer affordable payment plans or financing options to help make the cost more manageable.
Q: How long do dental crowns last?
A: Dental crowns can last from 5 to 15 years or even longer with proper care and maintenance. Regular dental check-ups and good oral hygiene practices are crucial in prolonging the lifespan of dental crowns.
8. References
For more information about dental crown coverage and related topics, you may find the following references helpful:
- Delta Dental Insurance
- American Dental Association
- WebMD - Dental Crowns
Remember to consult with your dentist and insurance provider for specific details regarding your coverage.
In conclusion, Delta Dental typically covers dental crowns as a major restorative procedure. The coverage percentage varies depending on your plan, and there may be limitations or waiting periods. The average cost of a dental crown ranges from $800 to $1,500 per tooth, considering various factors. Understanding your specific plan details and consulting with your dentist will help you determine the extent of coverage and associated costs for dental crowns.
