Our Helpful Guide To No Fault Dental Injury FAQs
At Modern Dentistry of Brooklyn, we pride ourselves on being not only exceptional at all aspects of dental care but also at being our patient’s advocates in both Workman’s Compensation and No-Fault Dental injury situations. We’ve put together a list of the top questions patients have about no-fault dental injury along with our best answers to help.
- What is No-Fault Dental Insurance? No-Fault insurance covers cases wherein the policy holder’s own insurance pays for treatment without proof of fault from either party.
- How do I know if I have No-Fault Insurance? Usually, No-Fault Insurance is purchased at the same time as regular car insurance. If you purchased it at the time you signed up for the rest of your insurance it should be in the paperwork. You can also call your automotive insurance agent directly to find out.
- What does No-Fault Insurance cover at the dentist? The official terms used are “bodily injury” and “associated medical bills and other losses”. Some examples would be surgical, dental, x-rays, prostheses (crowns or dentures), and prescription drugs.
- Is there a deadline for submitting dental bills for payment? Yes. Bills must be submitted to your carrier within 45 days of the date of treatment. Therefore, it is imperative that you give your dental providers the no-fault information as soon as possible.
- Is there an expiration date for dental treatment? No. Your benefits do not expire after “x” days/weeks/years. As long as your dental provider has indicated you will need treatment beyond the first year from the date of the accident, then No-fault will continue to pay for your treatment and prescriptions.
- What if no-fault denies payment? There are many options available if no-fault denies payment for a specific treatment, testing, or even a specialist. There are various avenues available to contest or refute a denial, and at Modern Dentistry, we are extremely familiar with the best options for our patients.
- Does it matter which dentist I go to? Yes! Because of the intricacies of no-fault insurance claims, it is critical that you see a dental practice that is skilled in that area. Using a practice that is unfamiliar with submitting no-fault claims, or not diligent in following up, could result in your having to pay for your treatment entirely out of pocket!
No-Fault Insurance is extremely helpful in paying for necessary treatments, both medically and oral. However, it can be challenging to obtain payment without experience and confidence in the system. Contact us at Modern Dentistry of Brooklyn today to speak to our knowledgeable no-fault dental professionals.