Paying for oral surgery care often comes with more questions than answers. Whether your plan covers extractions, sedation, or implants depends on a web of factors that most patients are never clearly told about until the bill arrives.
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At Precision OMF Surgery in Deer Park, NY, we work with many of the major dental and medical insurance providers to help you get the most from your oral surgery coverage. Our team reviews your benefits before your procedure so you go into treatment with a clear picture of your costs, not a surprise after the fact.
Insurance We Accept
We work with a wide range of insurance providers to reduce out-of-pocket costs for eligible services. Insurance generally applies to general oral surgery procedures, including tooth extractions, emergency care, and wisdom teeth removal. It does not typically apply to elective full arch or implant procedures, though our team can walk you through exactly what your plan covers before any treatment begins.
We currently accept the following insurance plans:
- Aetna Dental
- Ameritas Dental
- Blue Cross Blue Shield
- Cigna Dental
- Delta Dental PPO
- Guardian
- Humana Dental
- MetLife
- Principal Dental and Principal Financial Group
- United Concordia
- United Healthcare Dental, UFT Cigna, and CSEA
If you do not see your plan listed, please reach out to us directly. Our team can help you verify your coverage and determine the best path forward.
What Dental Insurance Typically Covers
Most standard dental insurance plans are built around a tiered structure. Preventive care, like cleanings and X-rays, is usually covered at the highest percentage. Basic restorative procedures fall into a middle tier, and major surgical services make up the third. Oral surgery procedures often land in that major category, which means your plan pays a portion and you cover the rest after your deductible is met.
Common Covered Oral Surgery Procedures
The following oral surgery services are generally covered, at least in part, by dental insurance plans:
- Tooth extractions: Simple and surgical extractions, including those for damaged or non-restorable teeth, are typically covered under major dental benefits.
- Wisdom teeth removal: Impacted wisdom teeth removal is one of the most commonly covered oral surgery procedures, particularly when medically necessary.
- Emergency oral care: Treatment for acute infections, oral abscesses, and similar urgent conditions is frequently covered under both dental and medical plans.
- Bone grafting: When grafting is required as part of a medically necessary procedure, coverage may apply depending on your specific plan.
- IV sedation and anesthesia: Sedation coverage varies widely; some plans cover it when the surgical complexity warrants it, while others do not include it.
Coverage amounts and annual maximums differ between plans, so the best way to know what applies to your care is to contact our office directly before your appointment.
Does Insurance Cover Dental Implants?
This is one of the most common questions patients ask, and the answer is nuanced. According to the American Association of Oral and Maxillofacial Surgeons, whether implants are covered depends on both your dental and medical insurance plans, the reason for tooth loss, and the specific components of the procedure. Some plans provide partial coverage for implant placement, especially when the tooth loss resulted from an accident or a medical condition. However, most traditional dental plans do not include implants as a standard covered benefit.
Full Arch Implant Procedures and Insurance
Full arch rehabilitation, including All-on-X procedures, is considered an elective surgical treatment by most insurance carriers and is not covered under standard dental plans. These are significant surgical cases that require highly advanced training, precision equipment, and a surgical facility capable of supporting IV sedation and anesthesia. Because insurance rarely applies, our team offers a range of financing and payment options, including CareCredit, Cherry, Alphaeon, Proceed, and HFD, to make treatment accessible without compromising the quality of your care.
What to Do Before Your Appointment
The most important step you can take is to verify your coverage before your procedure. Insurance plans vary significantly in what they cover, how much they reimburse, and what documentation they require. Our office will work with you to submit pre-authorizations and gather any supporting documentation your plan may need.
If you have both dental and medical insurance, it is worth checking both policies. For procedures like wisdom teeth removal and certain surgical extractions, your medical plan may offer additional benefits that coordinate with your dental coverage. The same applies to IV sedation and general anesthesia for complex surgical cases involving dental implants.
Patients with fee-for-service arrangements, meaning those without active insurance coverage, are also welcome. Our team will walk you through transparent cost estimates so you know exactly what to expect before treatment begins.
Choose Precision OMF Surgery for Your Oral Surgery Needs
Dr. Mohamed El-Ounsi is a board-certified oral and maxillofacial surgeon and a Diplomate of the American Board of Oral and Maxillofacial Surgery, bringing a level of surgical training and clinical precision that goes well beyond general dentistry. With a residency completed at NYU Langone/Bellevue, where he served as Chief Resident, Dr. El-Ounsi treats the full range of oral surgery cases from straightforward extractions to same-day implant placement with the same level of care and thoroughness every time.
Whether you are navigating insurance coverage, exploring your financing options, or simply ready to schedule a consultation, our team is here to help at every step. To get started, contact our office today.