Dental Explanation of Benefits at CityCare Dental

Understanding dental insurance can feel overwhelming. Insurance terms often leave patients unsure what they actually owe. This guide explains how your dental billing breakdown of benefits and dental Explanation of Benefits (EOB) work after your visit at Elite Dental Care.
Whether you are new to our office or reviewing a recent statement, this guide can help. You can also visit our Financial Options page for one-on-one support.
How Dental Coverage Works in City

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 dental work often receives partial coverage of around 70–80%.

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

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

Explore our dental treatments to better understand your care options.
Common Dental Insurance Terms Explained

Deductible: An initial out-of-pocket amount required by your plan.

Copay / Coinsurance: Your share of costs once insurance applies.

Allowed Amount / Negotiated Fee: The maximum fee your insurance recognizes for a service.

Annual Maximum: The maximum benefit available in a benefit year.

Non-Covered Services: Services your plan does not pay for.
Sample Dental Billing Breakdown for Procedure_Type

This sample is for educational purposes. Your real costs check here 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 insurance statement will reflect these line items.
How to Read Your Dental Explanation of Benefits

Your dentist sends a claim to your insurance provider.

Your insurance processes the claim and sends you an EOB.

It lists what was covered and what you may owe.

The EOB does not require payment.
FAQs About Dental Billing at CityCare Dental

Why is there a difference between the dentist’s charge and the allowed amount?
The allowed amount is set by the insurer.

Does preventive care really cost nothing?
Many plans cover preventive services at 100%.

What happens when I reach my annual maximum?
Additional services are paid out of pocket.

Why are some services not covered?
Some procedures are not included under specific policies.

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

What to Do if Costs Are Higher Than Expected

Out-of-pocket expenses can increase depending on plan rules. 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.

Why Patients Choose Our Dental Office

Commitment to clear communication and preventive care.

Serving City and surrounding areas.

Experienced in handling dental insurance claims.

Visit our Google reviews to learn more.