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It’s true. You can apply for dental insurance with no waiting period for preventive services and basic care like cleanings, exams, and fillings. But if you need a root canal, many dental insurance plans require a waiting period of 6 to 12 months before it’s covered.
And that could be a pain in the mouth…and your pocket book.
What’s a root canal?
If you need a root canal (it’s also called endodontic treatment), chances are pretty good you’ve got a tooth that’s bothering you.
Symptoms can include:
- Pain around the tooth when you chew or bite
- A tooth that’s chipped or cracked
- Irritated, inflamed or swollen gums
- Sensitivity to hot and cold food and drink
- Dark-colored gums or excessive tooth decay
If your dentist says, “you need a root canal,” you have a diseased or damaged tooth caused by bacteria.
When you get a root canal, here’s what happens…
- Your dentist will examine your teeth and gums for decay, bacteria, and other signs you may need a root canal.
- If the results are positive, your dentist will prep you for a root canal by numbing the area around the damaged tooth.
- Next, the infected pulp or dentin inside your tooth will be removed.
- Then the inside of your tooth will be cleaned, followed by a filling and sealing.
- Within a couple of hours, the numbness will be gone and so will your tooth pain.
Root canal cost + dental insurance
How much does a root canal cost? It depends.
- Root canal with insurance: If you have an existing dental insurance policy, your plan may cover 30 to 50% or more of the cost to get a root canal.2
- Root canal without insurance. If you don’t have dental insurance, it could be expensive. The average cost of a root canal without dental insurance is $700 to $1,200.2
4 benefits of a root canal
If you need a root canal, but don’t do anything about it, it could impact your quality of life and your health. Fortunately, a root canal is a relatively simple procedure that can fix a damaged tooth and help you:
- Chew your food.
- Improve your smile.
- Improve biting power.
- Protect other teeth from damage, decay, and bacteria.
Need a root canal? Dental insurance with no waiting period may be a smart move.
Think about it this way. If you purchase dental insurance with waiting periods and get a major dental service prior to the end of the waiting period, you may be responsible for 100% of the bill. Plans with no waiting periods can activate quickly, which may decrease your out-of-pocket expenses sooner than a plan with a waiting period. If you need a root canal or any other type of dental care, now is always a good time to apply for dental insurance.Ready to find a dental plan that works for you? Find a plan online, or call (800) 360-1402 to talk with a licensed insurance agent.
References:1. What is a root canal? Retrieved from: https://www.aae.org/patients/root-canal-treatment/what-is-a-root-canal/ Accessed on May 19, 2022. | 2. Cost of a root canal without insurance and with insurance. Retrieved from: https://www.newmouth.com/blog/root-canal-without-insurance/ Accessed on May 19, 2022.