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Medical PPO Insurance for Dental Care

“I never thought my medical insurance could cover my sleep apnea treatment until I visited this office. They handled everything, and my out-of-pocket cost was minimal with my Blue Cross Blue Shield PPO plan.”Brushwell Patient

At Brushwell Dental, we understand the importance of maximizing your insurance benefits to ensure you receive the best possible care. Unlike many dental practices, we accept and process medical claims for treatments that are medically necessary, but traditionally considered dental. This guide will help you understand how your medical PPO insurance can cover certain dental treatments, making your care more affordable and accessible.

What is Medical PPO Insurance?

PPO (Preferred Provider Organization) insurance is a type of health plan that offers flexibility in choosing healthcare providers. Unlike HMO plans, PPOs do not require referrals to see specialists and provide a broader network of doctors and hospitals. The key benefits of PPO insurance include:

  • Freedom to choose any healthcare provider, both within and outside the network.
  • No need for primary care physician referrals.
  • Coverage for out-of-network services, although at a higher out-of-pocket cost.

Medical vs. Dental Insurance

Medical insurance and dental insurance are typically separate entities, each designed to cover different types of care. While dental insurance covers routine cleanings, fillings, and other dental-specific procedures, medical insurance can cover treatments that address overall health issues. There are instances where medical insurance may cover dental treatments, particularly if they are deemed medically necessary, such as:

  • Surgical Extractions: Removal of impacted teeth that are causing pain or infection.
  • Treatment of Oral Infections: Managing severe dental infections that could spread to other parts of the body.
  • Reconstructive Surgery: Procedures following trauma or injury to the mouth and jaw.
  • TMJ Disorders: Treatment for temporomandibular joint dysfunction, which can cause pain and limit jaw movement.
  • Sleep Apnea Treatments: Dental devices or surgeries to address sleep apnea, a condition that affects breathing during sleep.
  • Side Effects of Medication: Certain medications for conditions such as osteoporosis, cancer, and hypertension can cause dry mouth, gum disease, and even osteonecrosis of the jaw. These side effects may necessitate specialized dental care, including oral surgeries, treatment for gum disease, or interventions to manage severe dry mouth.

Medical vs. Dental Insurance

  • No Upfront Costs: There are no upfront payments required, allowing you to begin your dental treatment immediately without the burden of initial expenses.
  • Manageable Monthly Payments: With Proceed Finance, you can spread the cost of your dental care over time, resulting in lower, more manageable monthly payments.
  • No Prepayment Penalties: If you choose to pay off your loan early, Proceed Finance does not charge any prepayment penalties, giving you the flexibility to manage your finances as you see fit.
  • Access to Necessary Treatments: This financing option ensures that financial constraints do not prevent you from accessing the dental care you need, whether it’s for routine check-ups or more extensive procedures.

Medically Necessary Treatments

“Medically necessary” treatments are those required to diagnose, prevent, or treat conditions that threaten overall health. Examples of dental treatments that may be considered medically necessary include:

  • Oral surgeries to remove tumors or cysts.
  • Dental procedures to treat sleep apnea, such as the creation of oral appliances.
  • Emergency treatments for dental injuries resulting from accidents.

How Medical PPO Insurance Works at Our Dental Office

At Brushwell Dental, we streamline the process of using your medical PPO insurance for dental treatments. Here’s how it works:

  1. Verification: We start by verifying your insurance coverage for the proposed treatment.
  2. Pre-Authorization: We assist in obtaining pre-authorization from your insurance provider if needed.
  3. Documentation: We handle all necessary documentation to ensure your claim is processed smoothly.
  4. Claim Submission: Once treatment is completed, we submit the claim to your medical insurance on your behalf.

Coverage and Benefits

Medical PPO insurance typically covers a portion of medically necessary dental treatments. Coverage details can vary, but you can generally expect:

  • Coverage for a significant portion of the treatment costs.
  • Deductibles that need to be met before the insurance begins to pay.
  • Copayments or coinsurance as part of the out-of-pocket costs.

Our Role in the Insurance Process

Our dental office is dedicated to helping you navigate your insurance benefits effectively. We provide:

  • Assistance with verifying coverage and benefits.
  • Detailed guidance on the pre-authorization process.
  • Support in collecting and submitting the required documentation.
  • Clarification of your financial responsibilities, including deductibles and copayments.

Please note: While we strive to assist you in maximizing your insurance benefits, we cannot guarantee coverage for every treatment. Insurance policies vary widely, and final coverage decisions are made by your insurance provider.

Common Questions and Concerns

Q: How do I know if my medical PPO insurance will cover a specific dental treatment?
A: Contact our office, and we will verify your coverage with your insurance provider.

Q: What if my insurance denies the claim?
A: We will help you understand the reasons for denial and explore options for appealing the decision.

Q: Can I use both medical and dental insurance for my treatment?
A: In some cases, it is possible to coordinate benefits. We will assist you in maximizing your coverage.


Understanding how medical PPO insurance can be utilized for dental care can significantly benefit your health and finances. At our dental office, we are committed to helping you make the most of your insurance benefits. Contact us today to learn more or schedule a consultation.

For any inquiries or to schedule an appointment, please call our office today at (626) 288-8940.