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For Providers
Does Dental Insurance Cover Bridges
For Providers

Does Dental Insurance Cover Bridges

It depends on your insurance plan…

Dental insurance coverage for dental bridges varies depending on the specific insurance plan, but many dental insurance plans do offer some level of coverage for this type of restorative procedure. 

Dental bridges are often categorized as "major" dental services, so they are usually covered at a lower percentage than "basic" or "preventive" services like fillings or cleanings.

When does dental insurance cover bridges?

Here are some general points to consider when determining whether a particular dental insurance plan covers bridges:

Type of Plan

Different types of dental plans, such as PPOs and HMOs, may offer different coverage options for dental bridges.

Coverage Levels

Dental insurance often pays a portion of the fee for the service, rather than the full cost. For example, your insurance might cover 50% of the cost of a dental bridge, leaving you responsible for the other half. The exact percentage will depend on your specific plan.

Annual Maximum

Most dental insurance plans have an annual maximum benefit. If the cost of your bridge, along with any other dental work you've had, exceeds this maximum, you'll have to pay the remaining cost out-of-pocket.

Waiting Periods

Some dental insurance plans have waiting periods for major restorative procedures like bridges. You'll need to have the insurance plan for a certain period (e.g., 6 months, 12 months) before it will cover a portion of the costs for a bridge.


Before undergoing a procedure like getting a dental bridge, you may need to obtain pre-approval or a pre-treatment estimate from your dental insurance provider. This helps you understand what portion of the cost will be covered by insurance.

In-Network vs. Out-of-Network

Your cost may vary depending on whether you see an in-network or out-of-network dentist. Generally, you'll pay less out-of-pocket when you see an in-network provider.

Choice of Material

The type of material used in the bridge (e.g., porcelain, metal alloy, composite resin, etc.) can also affect the cost and level of insurance coverage.

Deductibles and Copay

Check whether you'll need to pay a deductible before your insurance kicks in, or whether there's a co-pay for each visit.

Policy Fine Print

It's always a good idea to read the fine print of your insurance policy and consult directly with your insurance provider to understand what is and isn't covered, including any limitations or exclusions.

If you're considering getting a dental bridge, consult your specific dental insurance policy and speak directly with a customer service representative from your insurance company to understand your coverage.

How does the dental bridge reimbursement process work?

Dental insurance may cover bridges under various circumstances, but the details will depend on your specific plan. Here are some general scenarios when dental insurance might cover bridges:

1. Classification as Major Dental Work

Dental bridges are often categorized as "major" dental procedures, which means that many insurance plans do provide some level of coverage. The coverage level might range from 25% to 50% or even more, depending on the policy.

2. After a Waiting Period

Many dental insurance plans have waiting periods for major restorative procedures, including bridges. You may need to have the insurance policy for a certain period—like six months or even a year—before the insurance will cover a portion of the cost for a bridge.

3. Pre-Approval or Pre-Authorization

Some insurance plans require pre-approval or pre-authorization before undergoing major dental work like a bridge. In such cases, your dentist will send a treatment plan to the insurance company for approval before beginning the procedure.

4. In-Network Dentist

Using an in-network dentist usually results in higher coverage levels. Always check whether your dentist is in your insurance network if you wish to optimize your coverage.

5. Annual Maximums and Deductibles

Your insurance may cover a bridge as long as you haven't exceeded your annual maximum benefit and have met any required deductible. Once you reach your annual maximum, you'll need to pay for any additional dental work, including bridges, out-of-pocket.

6. Limitations and Exclusions

Your plan may have limitations such as not covering bridges for teeth that were missing before you acquired the policy ("missing tooth clause") or only covering the least expensive type of bridge, even if a more expensive type is recommended.

7. Multiple Treatment Options

If there are multiple treatment options available for your dental issue, your insurance might cover the least expensive, adequate treatment option. For example, if a partial denture could solve the issue, but you prefer a bridge, your insurance might only cover the cost equivalent to the partial denture.

8. Frequency Limitations

Some plans have limitations on how often they will cover a new bridge for the same dental gap. For example, they may only cover a new bridge for the same gap every five or seven years.

To know exactly when your dental insurance will cover a bridge, it's essential to read your policy documentation thoroughly and consult with your insurance provider for specific details.

How could the dental bridge reimbursement process be streamlined?

Streamlining the reimbursement process for dental bridges can benefit both dental practices and patients by reducing administrative burden, speeding up payments, and improving overall efficiency. Here are some strategies to make the process more efficient:

For Dental Practices

Pre-Verification of Benefits: Prior to treatment, verify the patient's insurance benefits to confirm eligibility and coverage for dental bridges. This helps you provide accurate cost estimates and informs the patient about potential out-of-pocket expenses.

Electronic Claims Submission: Use electronic systems to submit claims, as this is generally faster and more accurate than paper submissions. Make sure all the required documents, such as X-rays or treatment plans, are also submitted electronically when needed.

Real-Time Claim Status Tracking: Utilize dental practice management software that offers real-time claim tracking to quickly identify any issues and reduce turnaround time for reimbursements.

Standardized Coding: Ensure that all staff involved in billing are well-versed in the correct coding procedures for dental bridges. Standardizing how services are coded can minimize errors and speed up claims processing.

Batch Processing: Submit insurance claims in batches at the end of each day or week to maintain a consistent workflow and enable easier tracking.

Template-based Pre-authorizations: Create templates for pre-authorization requests to speed up the preparation of required documentation.

Automated Follow-Ups: Use software that automatically flags and follows up on delayed or denied claims.

For Insurance Companies

Fast-Track Pre-Authorization: Implement a system that fast-tracks pre-authorization for commonly approved treatments like dental bridges, based on a dentist's prior authorization success rate or other credibility markers.

Transparent Guidelines: Clearly lay out requirements for bridge treatments in easily accessible online documents, so dental offices can easily understand what is and isn’t covered.

Electronic Payment Systems: Offer electronic fund transfer options for quicker payment processing.

AI-Powered Claims Review: Use machine learning algorithms to quickly review claims and flag any potential issues, thus speeding up the overall process.

For Both Practices and Insurance Companies

Clear Communication Channels: Maintain open lines of communication to resolve issues quickly. Designate liaison officers if necessary.

Online Portals: Both parties can benefit from user-friendly online portals where claims can be submitted, tracked, and reviewed, and where necessary documentation can be easily uploaded.

Regular Training and Updates: Regularly update both dental practice and insurance staff on new procedures, coding changes, and compliance regulations to avoid misunderstandings and errors.

Joint Audits: Periodically audit the process from both ends to identify bottlenecks and areas for improvement.

For Patients

Transparent Billing: Provide clear, itemized bills and an explanation of the reimbursement process, so patients understand their financial responsibility.

Payment Plans: Offer flexible payment plans for costs not covered by insurance, making it easier for patients to manage out-of-pocket expenses.

Streamlining the dental bridge reimbursement process requires coordination between dental practices, insurance companies, and sometimes the patients. However, the effort to improve efficiency can result in quicker payments, fewer errors, and higher levels of satisfaction for everyone involved.

Are you a dental billing specialist? Try these tricks to optimize your practice.

Optimizing your dental billing service can increase efficiency, reduce errors, and improve revenue flow. Here are some ideas that may help:

Streamline Administrative Tasks

Automated Appointment Reminders: Use automated systems to remind patients of upcoming appointments to reduce no-shows.

Digital Onboarding: Allow patients to fill out all paperwork online before their first appointment to speed up the intake process.

Efficient Coding and Billing

Up-to-Date Coding: Make sure your team is trained on the latest dental procedure codes to minimize billing errors.

Batching: Instead of sending out claims one by one, batch them together and send them out at specific times to streamline the process.

Quick Codes: Create quick codes or templates for common procedures to speed up the billing process.

Error Checks: Implement a two-step verification process for coding to minimize errors before claims are submitted.

Communication and Follow-Up

Clear Billing Statements: Simplify billing statements for patients, clearly showing what has been paid, what is covered by insurance, and what remains as the patient's responsibility.

Automated Follow-ups: Use software to automatically send follow-up emails or messages for unpaid bills.

Regular Training: Periodically train your team on best practices for communication with both insurance companies and patients.

Maximize Insurance Reimbursements

Insurance Verification: Before each patient’s visit, verify their insurance information and clarify their coverage details.

Pre-Authorizations: For costly or complicated procedures, get pre-authorization from the insurance company to ensure coverage.

Claims Tracking: Implement real-time tracking of claim status to enable timely follow-ups and reduce accounts receivable days.

Appeal Denied Claims: Have a system in place for quickly appealing denied or underpaid claims.

Financial Policies and Transparency

Clear Financial Policy: Make sure you have a clear and well-communicated financial policy that all patients read and sign.

Upfront Cost Estimates: Provide patients with a cost estimate before treatment begins to manage expectations and reduce disputes later on.

Flexible Payment Options: Offer a range of payment options, including payment plans or third-party financing, to make it easier for patients to cover their out-of-pocket expenses.

Monthly Audits: Conduct internal audits of the billing process at regular intervals to identify any areas for improvement or potential compliance issues.

Utilize Technology

Cloud-Based Software: Use cloud-based dental practice management software to enable remote access to billing data, making it easier to manage across multiple locations.

Integrated Payment Systems: Employ a payment system integrated with your practice management software to automatically reconcile payments and update patient accounts.

AI and Analytics: Use AI-powered analytics tools to evaluate billing performance and identify bottlenecks or inefficiencies in the process.

That’s where SuperBill comes in!

SuperBill harnesses the power of AI to automate key aspects of your medical billing process, like phone calls to insurers. Whether you’re a dental practice looking for a dedicated billing service, or a DSO in search of technical solutions, with SuperBill’s help you can save time and money and free up your staff to take on more pressing tasks.

Click the Get Started button to see what SuperBill can do for you!

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About the Author

Harrison Caruthers

Harrison is a software developer in the Bay Area. Before SuperBill, he worked as an engineer for Amazon in Madrid. While in Spain, Harrison developed an appreciation for both Mediterranean cooking and simplified healthcare systems. He returned to the Bay to co-found SuperBill with fellow Stanford grad Sam Schwager after mounting frustrations with US insurance networks.