Dental EOB at Bright Smile Dental

Understanding dental insurance can feel overwhelming. Words such as deductible, coinsurance, and annual limits can be confusing. This page walks you through how dental billing and EOBs work at Bright Smile Dental.
This information is helpful for new patients, existing patients reviewing a recent bill, and anyone comparing dental plans. For personalized help, contact our billing team or visit our Financial & Insurance Options page.
Dental Insurance Basics for City Residents

Dental plans are structured to make preventive care more affordable. Most insurance plans use a tiered coverage system:

Routine checkups and cleanings are usually covered in full.

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

Major procedures including crowns, dentures, and implants often have lower coverage around 50%.

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

See common procedures we perform to better understand your care options.
Dental Billing Terms You Should Know

Deductible: The portion you must pay before coverage applies.

Copay / Coinsurance: A flat fee or percentage you pay after the deductible.

Allowed Amount / Negotiated Fee: The contracted rate agreed upon by in-network providers.

Annual Maximum: The total amount your plan will pay per year.

Non-Covered Services: Treatments excluded by your policy.
Example: How Benefits Apply to Procedure_Type

The following example is for illustration only. 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 dental Explanation of Benefits will list similar details.
Dental EOB Explained Simply

After your visit, a claim is submitted to your dental insurance.

The insurer reviews the claim and issues an EOB.

The EOB shows procedures, allowed amounts, payments, and your portion.

This document is informational only.
FAQs About Dental Billing at Family First Dental

Why is there a difference between the dentist’s charge and the allowed amount?
Insurance plans set contracted fee limits.

Does preventive care really cost nothing?
Routine care is often fully covered.

What happens when I reach my annual maximum?
Insurance stops paying once the maximum is reached.

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

Who should I contact if I disagree with my EOB?
Start by contacting the billing team at Healthy Teeth Dental.

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.

Plan treatments around your benefit year when appropriate.

Trusted Dental Care in City

Years of experience helping patients understand benefits.

Easy access for local patients.

Works with a wide range of insurers.

Read what our patients say to learn more.