When it comes to filing a dental insurance claim, you’ll likely never have to do it yourself. In most cases, your dental provider will take care of this step for you. However, if you find yourself in a situation where you need to file an insurance claim, it’s essential to know how to do it.
In this comprehensive guide, we’ll walk you through the step-by-step process of filing a dental insurance claim.
Steps to file a dental insurance claim
Follow the steps below to file a dental insurance claim. If you have any questions, be sure to contact our customer experience team for help.
1. Know your dental insurance policy
Before filing an insurance claim, familiarize yourself with the details of your dental insurance policy. Understand the coverage, annual limits, waiting periods, and any exclusions. Being well-informed about your policy will empower you to make the right decisions about your dental care. It will also help you with any subsequent claims.
2. Confirm eligibility and coverage
Ensure that the dental procedure for which you’re filing a claim is covered under your policy. Verify your eligibility and coverage information. If you want to know how much a covered procedure may cost, you can use our cost estimator tool (found on the secure member portal) or ask your dentist to submit a pre-determination estimate. This step helps prevent surprises and ensures a smoother claims process.
3. Obtain necessary documentation
After receiving dental services, request an itemized statement or invoice from your dental provider. This document should include details such as the service date, the procedures performed, and the associated costs. Additionally, make sure to collect any supporting documentation. This may include X-rays and treatment plans.
4. Complete the dental insurance claim form
Delta Dental of Colorado provides a standard dental claim form online. Complete the insurance claim form accurately, providing all required information. Include your name, policy number, the treating dentist’s information, and the specifics of the dental services received.
5. Attach supporting documents
Include any necessary supporting documents with your claim form. This may include the itemized statement from your dental provider, X-rays, or any other documentation. Ensuring that all required information is attached will expedite the processing of your insurance claim.
6. Submit the insurance claim
Submit your completed dental claim form and supporting documents to Delta Dental of Colorado. This can be done using the online member portal. Be sure to retain copies of all submitted documents for your records.
7. Monitor the claims process
Once your insurance claim is submitted, monitor its progress. Delta Dental of Colorado provides an online portal and customer service team, each of which you can use to check the status of your claim. If there are any delays or issues, don’t hesitate to contact us for more information.
8. Review the Explanation of Benefits (EOB)
After processing your claim, Delta Dental of Colorado will send you an Explanation of Benefits (EOB). This document outlines the details of your insurance claim, including the covered amount, any deductibles, and any out-of-pocket expenses.
Filing a dental insurance claim doesn’t have to be a complex process. By following these steps and staying proactive, you can navigate the claims process with confidence. If you have any questions, feel free to contact us for clarification. Remember, clear communication with your dental provider and Delta Dental of Colorado is key to ensuring a smooth and successful claims experience.