Why doesn’t my insurance cover certain procedures?

(As taken from the American Dental Association) Most dental plans have an annual dollar maximum. This is the maximum dollar amount a dental plan will pay toward the cost of dental care within a benefit period. The plan purchaser/employer makes the final decision on “maximum levels” of reimbursement through the contract with the insurance company. The patient is usually responsible for paying costs above the annual maximum. Even though the cost of dental care has increased over the years, the maximum levels of insurance reimbursements have remained the same since the late 1960’s.