Dental EOB at Family First Dental

Many patients struggle to understand dental insurance. Terms like deductibles, copays, annual maximums, and coverage percentages are hard to follow. This page walks you through how dental billing and EOBs work at Healthy Teeth Dental.
This guide is ideal for new patients, returning patients checking a bill, or those evaluating dental insurance options. If you need individual assistance, our billing team is happy to help.
Dental Insurance Basics for City Residents

Most dental plans aim to lower patient costs and emphasize preventive treatment. Most insurance plans use a tiered coverage system:

Preventive services like exams and cleanings are often covered at 100%.

Basic treatments such as fillings and simple extractions are usually covered at 70–80%.

Major dental services tend to be covered at approximately 50%.

Most dental policies use the 100–80–50 framework.

See common procedures we perform to better understand your care options.
Key Terms on Your Dental Breakdown of Benefits

Deductible: An initial out-of-pocket amount required by your plan.

Copay / Coinsurance: Your share of costs once insurance applies.

Allowed Amount / Negotiated Fee: The amount used by your plan to calculate benefits.

Annual Maximum: The maximum benefit available in a benefit year.

Non-Covered Services: Services your plan does not pay for.
Example: How Benefits Apply to Procedure_Type

This sample is for educational purposes. Your real costs depend on your policy details.
| Item | Example Amount |
| ------------------------------ | -------------------------- |
| Dentist’s standard fee | Base_Fee |
| Plan’s allowed amount | Allowed_Fee |
| Deductible applied | Deductible_Amount |
| Plan payment (Coverage_%%) | Plan_Payment |
| Patient responsibility | Patient_Responsibility |

Your insurance statement will reflect these line items.
How to Read Your Dental Explanation of Benefits

Your dentist sends a claim to your insurance provider.

Your insurance processes the claim and sends you an EOB.

It lists what was covered and what you may owe.

The EOB does not require payment.
Common Dental Billing FAQs

Why is there a difference between the dentist’s charge and the allowed amount?
The allowed amount is set by the insurer.

Does preventive care really cost nothing?
Many plans cover preventive here services at 100%.

What happens when I reach my annual maximum?
Additional services are paid out of pocket.

Why are some services not covered?
Coverage depends on plan rules and limitations.

Who should I contact if I disagree with my EOB?
We can assist you in contacting your insurance provider.

Options When Dental Bills Are Higher

Unexpected balances sometimes occur. Planning ahead can reduce unexpected costs.

Request a pre-treatment estimate for major procedures.

Ask about payment plans or financing options.

Timing care may help maximize benefits.

Trusted Dental Care in City

Commitment to clear communication and preventive care.

Easy access for local patients.

Experienced in handling dental insurance claims.

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