{"id":148,"date":"2025-06-05T16:23:00","date_gmt":"2025-06-05T16:23:00","guid":{"rendered":"https:\/\/www.longmontdentist.com\/blog\/?p=148"},"modified":"2025-06-10T04:24:11","modified_gmt":"2025-06-10T04:24:11","slug":"would-dental-insurance-cover-your-emergency-visit","status":"publish","type":"post","link":"https:\/\/www.longmontdentist.com\/blog\/would-dental-insurance-cover-your-emergency-visit\/","title":{"rendered":"Would Dental Insurance Cover Your Emergency Visit?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"514\" src=\"https:\/\/www.longmontdentist.com\/blog\/wp-content\/uploads\/2025\/06\/AdobeStock_609391368__1749527525_13028.jpg\" alt=\"A nurse handing dental insurance forms to a patient\" class=\"wp-image-149\" style=\"width:314px;height:auto\" srcset=\"https:\/\/www.longmontdentist.com\/blog\/wp-content\/uploads\/2025\/06\/AdobeStock_609391368__1749527525_13028.jpg 800w, https:\/\/www.longmontdentist.com\/blog\/wp-content\/uploads\/2025\/06\/AdobeStock_609391368__1749527525_13028-300x193.jpg 300w, https:\/\/www.longmontdentist.com\/blog\/wp-content\/uploads\/2025\/06\/AdobeStock_609391368__1749527525_13028-768x493.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n<p>While <a href=\"https:\/\/www.longmontdentist.com\/emergency-dentistry.html\">urgent dental care<\/a> is the kind you most need, the thought of its price could make you hesitate. You may worry that an emergency dentist would cost too much to see. However, you should note that dental insurance could cover your emergency visit; treatment doesn\u2019t have to \u201cbreak the bank.\u201d Your Longmont dentist will even explain how that coverage would probably work. To that end, keep reading to learn how dental insurance tends to cover dental emergencies.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Dental Emergencies &amp; The 100-80-50 Rule<\/h2>\n\n\n\n<p>Most dental plans cover dental emergencies, as treating those urgent issues is a vital health service. In fact, said coverage often sticks to what\u2019s called the \u201c100-80-50 rule.\u201d This principle divides covered dental work into the following categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Preventive Services <\/strong>\u2013 Almost all dental insurance covers 100% of preventive care, which includes dental checkups, teeth cleanings, oral X-rays, etc.<\/li>\n\n\n\n<li><span style=\"margin: 0px;padding: 0px\"><strong>Basic Procedures\u00a0<\/strong>\u2013 The average dental plan covers 80% of the price of a basic dental procedure.<\/span> More specifically, that rate applies to dental fillings, root canals, and simple extractions.<\/li>\n\n\n\n<li><strong>Major Procedures <\/strong>\u2013 Major dental procedures encompass restorations (dental bridges, dental implants, etc.), so they get the least coverage. A typical dental plan only covers 50% of their cost.<\/li>\n<\/ul>\n\n\n\n<p>Given the categories above, emergency dental work includes basic and major procedures. An average dental plan will thus cover most of its cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider Your Dental Plan\u2019s Type<\/h2>\n\n\n\n<p>Though your dental plan may cover emergency care, you should still consider what kind you have. Whether it\u2019s one type of insurance or another will affect your final treatment cost.<\/p>\n\n\n\n<p>In general, dental plans are either PPOs or DHMOs. PPOs let a patient see dentists in and out of the designated network, but their co-pay is lower for in-network practices. DHMOs, meanwhile, only apply or \u201ckick in\u201d for specific dentists; they don\u2019t cover any care outside the network.<\/p>\n\n\n\n<p>You should consider your plan\u2019s type alongside the 100-80-50 rule. That way, you\u2019ll have a sense of your treatment\u2019s cost beforehand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Remember Other Payment Options<\/h2>\n\n\n\n<p>Even if your dental insurance doesn\u2019t have great emergency coverage, you don\u2019t need to panic. You can always rely on alternative payment options that make care affordable.<\/p>\n\n\n\n<p>One such option would be flexible financing, which is typically done through payment plans. This method lets a patient work with 3rd party financiers to afford treatment. By letting you pay relevant costs through monthly installments, it makes otherwise pricey services budget-friendly.<\/p>\n\n\n\n<p>Since dental insurance can cover your emergency visit, don\u2019t delay your care. See your dental provider soon for urgent and affordable help!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><em><a href=\"https:\/\/www.longmontdentist.com\/\">Coats Dental Group of Longmont<\/a> is based in Longmont, CO. Led by <a href=\"https:\/\/www.longmontdentist.com\/brian-coats-dds.html\">Drs. Brian<\/a> and <a href=\"https:\/\/www.longmontdentist.com\/kevin-coats-dds.html\">Kevin Coats<\/a>, our practice has been helping families smile for over 25 years. We\u2019ve gladly provided top-tier preventive, cosmetic, and restorative treatments in that time, ensuring each patient gets stellar results. Our office also takes pride in offering excellent dental emergency care. For more details or to book a visit, please contact us on <a href=\"https:\/\/www.longmontdentist.com\/contact.html\">our website<\/a> or by phone at <strong>(303)-776-4090.<\/strong><u><\/u><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While urgent dental care is the kind you most need, the thought of its price could make you hesitate. You may worry that an emergency dentist would cost too much to see. However, you should note that dental insurance could cover your emergency visit; treatment doesn\u2019t have to \u201cbreak the bank.\u201d Your Longmont dentist will [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-148","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Would Dental Insurance Cover Your Emergency Visit? - Coats Dental Group of Longmont Blog<\/title>\n<meta name=\"description\" content=\"To be honest, you can trust dental insurance to cover your emergency visit. 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