Local Dental Care - Illinois Indemnity Dental Plan

Dental Information, The Costs Associated With Root Canal Treatment

What are the Costs Associated with Root Canal Treatment?

There are many factors that affect the costs and payment associated with root canal treatment. Each patient and tooth presents a different set of circumstances. Generally the cost of root canal treatment is directly related to the chair time necessary to perform the treatment as well as to the costs of the dentist staff, training, and technology that the dentist has available when performing the procedure. Be sure to ask your dentist about dental financing credit, dental treatment financing, or if there is a possible loan for dental work available.

There are many factors that influence the amount of chair time necessary to treat any particular tooth:

• The position of the tooth in the mouth.
• The number of roots and the number of canals within these roots.
• Root curvatures and the length of the roots.
• The presence or absence of calcifications within the root canal space.
• Special dental considerations. For example, it may be more difficult for the dentist to work through an existing crown or a bridge than to work on a tooth with only a small previous filling. Also, some teeth may have been severely broken down by past dental disease and these may have to be "built-up" before root canal treatment can even be started so that an aseptic field can be established and maintained during treatment.

In addition to the chair time involved for treatment, other factors are also taken into consideration when determining a fair fee for root canal treatment:

• The cost of technology. Dentists who use state-of-the-art technology for certain procedures have invested in microscopes, computer digital radiography, ultrasonics, and specialized training courses for themselves and for their staff. The costs of these items are shared by those patients who benefit from them.
• The costs of the dental office overhead include staff, rent, and supplies in addition to many other expenses. These costs vary significantly in different areas of the country.
• Fees vary among practitioners due to differences in their endodontic treatment philosophies, which in turn dictate the chair time required, the materials selected, and the technologies utilized.

In conclusion, there can be marked discrepancies in the fees charged for root canal treatment by different dentists. Ultimately, the best value for care is treatment that is done once and works over a period of many years. Conversely, the most expensive dental treatment is the treatment that may cost less initially but does not work predictably and needs to be redone one or more times. The wise dental consumer does not make a treatment decision on the basis of cost alone.

Will Insurance Cover the Cost of Root Canal Treatment?

Dental insurance will usually help with a portion of the endodontic treatment fee. A variety of dental insurance plans are available. A specific benefit package is selected contractually by each employer for the benefit of the employees. Some benefit packages may restrict or not recognize certain procedures, while in other instances the yearly maximums are unrealistic for anything other than the most basic care. The dentist will make a professional judgment and treatment recommendation based on what is best for the patient, not on what is best for the for-profit insurance company. The total fee is the patient's responsibility but the dental office will work with the insurance carrier to get the maximum contracted benefit. The patient should speak with the dental treatment coordinator before treatment begins in an attempt to estimate the available insurance benefit. Be sure to ask your dentist about patient financing, dental treatment financing, dental credit cards, or if there is a possible loan for dental work available.

by Clifford J. Ruddle, DDS, in collaboration with Philip M. Smith, DDS

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Dental Insurance, What Should You Know

Dental insurance is not meant to be a pay-all. It's only meant to be an aid. You are very fortunate if you have dental insurance coverage and don't have to pay the entire dental fee plan out of your own pocket. Many patients don't have any dental insurance at all. Some patients have excellent dental insurance policies or dental credit, some have fair policies, and some have poor policies. Many plans tell you you'll be covered up to 80% - 100%. In spite of what you're told, most plans cover only 15% - 70% of the average dental fee plan. We realize that every bit of help you get from your insurance company is a big help, and we are glad you have coverage. However, it must be understood that how much your policy covers has already been determined by how much your employer paid for your insurance policy. The less he/she paid for the insurance, the less you'll receive.

FOR EXAMPLE: PLAN Costs a lot of money Costs 1/2 the amount Deductible is $50.00 Deductible is $100.00 Pays $84.00 on a filling Pays $35.00 on a filling Yearly maximum is $1,000 Yearly maximum is $800 It has been the experience of many dentists that some insurance companies tell their customers that "fees are above the usual and customary" rather than saying "our benefits are low."

Your insurance company sets the "allowables" or "a usual and customary dental fee plan" depending on how much your employer paid for your policy. It's just like your car insurance. The lower the benefits you choose, the less it costs you in premiums. Many necessary routine dentistry services are not covered by dental insurance at all. Again, what is covered and what is not is determined by what benefits and dental payment plan your employer purchased for you.

We do not believe it is in your best interest for your treatment to be compromised in order to accommodate an insurance policy's restrictions that may provide you with a quality of care that is considerably less than you deserve.

We strongly feel that you, not your insurance company, should choose the treatment you feel is best for you.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.