Millions of teeth are knocked out every year in athletic events. Injuries affecting the face and mouth account for a significant number of common sports injuries. If you are active in sports, or if you have children who are, you may be wondering if your dental insurance covers mouth injuries. The answer depends on what kind of coverage you have, and the type of injury you experienced.
Dental insurance coverage typically applies to preventative treatments and oral health maintenance such as cleanings, fillings, and crowns. However, if you require extensive reconstruction after an injury, your dental plan may cover it. Your health insurance probably will not cover the reconstruction unless it is medically necessary. Coverage can vary widely by provider and plan type. Our helpful agent will be happy to review your health insurance and dental insurance policies with you to help ensure you have the coverage you need.
Certain health insurance plans will cover some types of oral injuries, such as:
If a blow to the mouth causes a tooth to pop out, take the following steps to help preserve the tooth:
Although baseball and basketball are the sports most likely to cause dental injuries, they can occur in any athletic activity, including swimming, gymnastics, soccer, and martial arts. Thankfully, mouthguards can help minimize the risk of oral injuries. These protective devices alone prevent hundreds of thousands of mouth injuries every year. Mouthguards are available in several forms, including:
Most dental insurance policies emphasize diagnostics and prevention, typically covering two exams and cleanings plus X-rays per year, along with fluoride treatments for children. However, the main benefits come from coverage for costlier procedures, such as fillings, crowns, and root canals. Most dental plans offer 100-80-50 coverage. If you have this type of plan, you are covered:
Beyond routine treatments, coverage is capped at $1,500 per year with most plans. Cosmetic dental procedures are rarely covered by dental insurance or health insurance.