10/08/2025
Thinking about oral surgery for you or a loved one and wondering if your dental insurance will cover it?
Here’s a "behind-the-scenes" look at how insurance works for oral surgery procedures like dental implants and wisdom teeth extractions.
At Radecki Oral Surgery, we participate with most major dental insurance plans, which means your out-of-pocket costs are lower and your experience is simpler from start to finish.
If we are in-network, our fees are pre-approved and discounted through negotiated agreements with these insurance providers and (in most cases) we handle all claim submissions for you.
Here’s an example:
If a procedure normally costs $1,000, our in-network rate might be $750.
✅ You pay only your share of that $750 – patients typically owe 20 to 50%, depending on your individual plan. That can save you hundreds of dollars and weeks of waiting for reimbursement. Note: an exception to this math is if your yearly maximum has already been met.
❌ If you go out-of-network, you typically pay the full $1,000 up front and then wait to (hopefully) get reimbursed later.
Cautionary Note about Out-of-Network Reiumbursement:
Some surgeons or dentists may tell patients that they’ll provide the paperwork needed for reimbursement – but not all insurance companies allow patients to self-submit. In those cases, you’ve already paid in full, and any errors or delays in processing forms can mean waiting weeks (or months) to get part of your money back.
Seeing a participating provider maximizes your benefits and streamlines the entire process – because the dental office handles everything for you, not the other way around.
Benefits of choosing an in-network provider:
• Insurance companies have already screened and approved participating surgeons
• We file most claims directly… no paperwork or waiting on your end
• You maximize your benefits before your yearly maximum has been met
• It’s one less thing to worry about during your recovery
Bottom line: Going to a participating provider means less paperwork, faster savings, and fewer headaches!
Give us a call to confirm your insurance coverage!
Radecki Oral Surgery works with many insurance plans to make your care accessible and straightforward. Learn more about accepted coverage and payment.