Insurance FAQs

How does dental insurance work?
Dental insurance is unlike medical insurance. Most policies have a calendar year benefit somewhere between $1000 and $2000 – if you use it all up during the calendar year then it is gone. If you don’t use it all up during the calendar year then it is gone.

Most plans have a tier percentage range for services covered. Basic, Restorative and Major are generally the three categories. They will then cover a percentage based on the specific plan taking deductibles into consideration as well.


What will my plan cover for treatment?
Most plans consider the endodontic exam as a restorative procedure that generally falls somewhere between 50%-80% depending on your specific plan. The only way we can guestimate what that cost will be is to contact your insurance company for an eligibility and benefits estimate.


Why do you ask for my social security number?
Many insurance companies have moved away from Member ID numbers and simply verify the member by their name, birthdate and social security number. Without this information it can hinder our office from filing claims on your behalf.


Have a question about insurance, root canals, endodontics, our office or Dr. Chapman? Email it over using the form on this page and we will happily answer it. We may even end up posting it on this page!