Ok so l have an dentist appointment of Thursday for a regular check up, l havent been to the dentist in a couple of years (no more than 3) the dentist l use to go to closed or moved - so i'm going to a new dentist on Thurs. l have only asked for them to do a regular check up to see if l need my wisdom teeth extracted (which l will) and to see if l need any other work done (which l do) but right now the main thing is to remove my wisdom teeth.. so l spoke to the dental assistant and she said they will do X-Rays & etc. due to me being a new patient

Anyway just on Thursday according to my employers insurance policy below how much will l be paying that day?? and how much will l pay when l do return to have my wisdom teeth extracted?? what is the $75 deductible fee for? and when do l pay?

l am the only person on my dental insurance and like l said l have only asked for a check up on Thursday so that the dentist can tell me what l need to have done.. and hopefully set up an appointment for next week to have the wisdom teeth get removed...... thanks for your help


Coverage Type:
Type A: Preventive
Cleanings, Oral Exams, Fluoride Applications, X-rays, Bitewing X-rays

Type B: Basic Restorative
Fillings, Extractions, Oral Surgery, Endodontics, Periodontics, Periodontal Maintenance, Sealants, Space Maintainers, Anesthesia, Emergency Palliative treatment, Injections of antibiotic drugs

Type C: Major Restorative
Consultation, Implantology, Relining and Rebasing, Bridges & dentures, Crowns/Inlays/Onlays, Repairs of dentures, crowns, inlays, and onlays, Prefabricated stainless teel crown.

Type D: Orthodonthia

So the company pays:
In Network:
Type A: 100% of Fee
Type B: 80% of Fee
Type C: 50% of Fee
Type D: 50% of fee

Deductible applies to type B and C services only.
Individual - $75
Family - $225

Annual Maximum Benefit
Per Person - $1,000


Heres an example they gave us:
Your dentist says you need a crown, a Type C Service:
In network doctor Fee: $300.00
Dentist usual fee: $700.00

*please note: this example assumes that you annual deductible has been met.

In Network
The Fee is$300.00
Your plan pays:
(50% x $300 Fee) -$150
Total out of pocket cost $150.00

Out of Network:
Dentists usual fee $700.00
Your plan pays
(50% x $300 Fee)
Total out of pocket cost $550.00

l dont know when to pay the $75 deductible or what it is?..

According to ur description u should not have to pay for the first dentist visit, it would be covered under the type A .

Then when u go to the Oral Surgeon (if that is where u go for ur wisdom teeth) ur deductible will apply there.

When u go in for ur consultation they will know exactly how much u will have to pay & it should be 20% of the fees plus ur $75.00 deductible. That means the insurance will pay the Oral Surgeon $75.00 less than the full 80%.

You should not have to pay anything until u go in to actually have ur teeth pulled, unless ur dentist does anything that is in the type B category (like fillings). But they will tell u before they do anything that will cost you.

Hope that helped. And make sure that any dentist that u see is in ur network. It is a lot cheaper. l am sure they asked u about ur insurance when u made the appointment.

Also remember the $1000,00 limit per year. Get the most important things done first & keep tract of how much u still have available, u can call ur insurance company to find that out.