Does Fidelis Care Cover Dental Crowns?
Dental crowns are a common dental procedure used to restore and protect teeth that have been damaged or decayed. However, the cost of dental crowns can be quite expensive, often leading patients to wonder if their dental insurance plan, such as Fidelis Care, covers this treatment. In this article, we will explore whether Fidelis Care covers dental crowns and what you need to know about the coverage details.
Understanding Fidelis Care Dental Insurance Coverage
Fidelis Care is a New York-based health insurance company that offers a variety of plans, including dental insurance. The coverage provided by Fidelis Care dental insurance plans can vary depending on the specific plan you choose. To determine if dental crowns are covered under your Fidelis Care plan, it is essential to review the details of your policy.
Does Fidelis Care Cover Dental Crowns?
Yes, Fidelis Care does cover dental crowns under certain conditions. The coverage for dental crowns typically includes the following:
1. Preventive Care: Fidelis Care covers preventive dental services, which may include the initial examination and preparation for a dental crown. This part of the procedure is usually fully covered.
2. Basic Dental Services: Basic dental services, such as fillings and root canals, may be covered under your Fidelis Care plan. If a dental crown is necessary as a result of these treatments, it may also be covered.
3. Major Dental Services: In some cases, Fidelis Care covers major dental services, which can include dental crowns. However, there may be limitations on the number of crowns covered per year and the amount the insurance will pay for each crown.
Important Considerations
It is important to note that there are certain limitations and exclusions when it comes to dental crown coverage under Fidelis Care:
1. Waiting Period: Some dental plans have a waiting period before coverage for major dental services, including crowns, begins. This waiting period can vary from one plan to another.
2. Maximum Allowance: Fidelis Care may have a maximum allowance for dental crowns. This means that after a certain amount has been paid by the insurance company, you will be responsible for the remaining costs.
3. Pre-existing Conditions: If a dental crown is needed due to a pre-existing condition, Fidelis Care may not cover the treatment.
How to Check Your Coverage
To determine if your Fidelis Care plan covers dental crowns, follow these steps:
1. Review Your Policy: Carefully read your dental insurance policy to understand the coverage details and any limitations.
2. Contact Fidelis Care: If you are unsure about your coverage, contact Fidelis Care directly to discuss your specific situation.
3. Seek Pre-authorization: In some cases, it may be necessary to obtain pre-authorization for a dental crown before the procedure. This ensures that the treatment is covered under your plan.
In conclusion, Fidelis Care does cover dental crowns under certain conditions. By understanding the details of your policy and contacting Fidelis Care when needed, you can ensure that you receive the necessary dental care while minimizing out-of-pocket expenses.
