Accidental Dental

Accidental dental coverage pays for the repair or replacement of natural teeth damaged due to an accidental blow to the mouth or jaw. This benefit is distinct from routine dental coverage because it applies to emergencies caused by external physical impact, not decay or normal wear.

Accidental dental benefits often appear in health sections of a plan (as opposed to dental sections). They cover reasonable and necessary treatment, such as crowns, bridges, or repairs, up to a defined maximum per accident or per year. To qualify, treatment typically must begin within a set period (for example, 90 days of the accident).

Example:

If you fall and chip a tooth, your accidental dental benefit could pay for the repair, subject to plan limits and medical necessity.

What to Watch For:

Report the injury and seek treatment promptly, as delays can void eligibility. Confirm whether the limit applies per accident or per calendar year.