How to Implement Payer Policies and Reimbursement Rules in Dental Revenue Cycle?

Does your practice staff get confused while having to follow different payer policies and reimbursement rules?

It’s definitely confusing, as each insurance company has its own criteria for submitting claims and reimbursing them. But it’s important to follow and implement these rules in your dental revenue cycle to strengthen your practice’s financial health.

Whether you’re dealing with PPO networks, HMO limitations, or Medicaid requirements, implementing these policies helps you to smoothly improve reimbursements and manage consistent claim denials.

Here, we’ll assist you with guidelines on payer policies and reimbursement rules, from coding requirements to preauthorization processes, so you can streamline dental revenue cycle management for your practice growth.

What are Payer Policies and Reimbursement Rules?

To make it simple, payer policies and reimbursement rules are a set of rules which insurance companies have set to approve dental claims.

Insurer and State-wise Difference

Each insurance company has its own criteria to consider a claim submission clean and complete.

For instance, if Blue Cross Blue Shield approves a claim, it may not be compliant with United Healthcare’s standards. 

Payer policies are also different in each state. For example, the benefits which BCBS offers in California may not be the same as it does in Texas.

The government-run Medicaid and Medicare policies are also designed in the same way. Their payer policies and reimbursement rules are different for each state. For instance, they reimburse a higher fee to providers in a rural state like Mississippi, and a lower fee in an urban state like California. 

The reason is that rural states have a fewer number of dentists and lower competition, so Medicaid administrators set higher fees to attract dentists. On the other side, urban populations have more dentists and high competition. And their populations have higher income levels, due to which they don’t rely on Medicaid much. They can share costs in commercial payer plans and receive more benefits.

Dental Reimbursement Rules

Dental reimbursement rules are the policies which determine how much an insurance company pays a dental practice for services rendered.

Insurers consider various factors while setting reimbursement rules for your practice. These include geographical location, local cost of living, and practice expenses in the area among other aspects.

For example, a commercial payer may reimburse $800 for a crown preparation in Manhattan, but $500 in rural Iowa.

The following are essential reimbursement rules every practice should know:

• UCR Rate: Usual and customary rate is the maximum amount an insurer considers for a service based on average provider fee in an area. If you charge more than this, the patient pays for it.
• Fee Schedules: These are reimbursement rates which providers set with insurers to join their network as an in-network provider.
• Allowed Amount: The maximum amount an insurer pays for a procedure in a claim.
• Annual Maximum: The maximum amount the insurer covers in a patient’s coverage plan throughout the year.
• Contractual Adjustment: The difference between your actual fee and the set amount with the insurer, which you write off.
• Patient Responsibility: The amount which a patient needs to pay, before or after availing a service. For example, deductible is the amount which a patient pays before insurance starts covering them. And copay is the amount which is the patient’s share of costs. A patient pays copay once insurers have paid their share of the treatment costs.

These rules help you with creating a fee schedule that benefits your practice finances, in which you’re able to offer discounts to your patients, while also earning enough to generate a profitable revenue.

What are the Types of Payer Plans?

In dentistry, there are different payer plans, each with its own requirements. It’s important to follow payer policies and reimbursement rules for each plan to submit claims that are approved and reimbursed faster. Doing so helps a practice maintain a smooth dental revenue cycle.

Medicaid Dental Policies

Each state sets its own Medicaid dental policies to accept and reimburse dental claims, so you must consult your state’s policies to comply with them. However, there are some common rules you must consider while you’re treating Medicaid-insured patients:

• EPSDT Benefit: Early and Periodic Screening, Diagnostic and Treatment (EPSDT) is a benefit for Medicaid-insured children under the age of 21. EPSDT mostly covers dental services performed to cure pain, remove infection, restore teeth, and maintain dental health. Orthodontic services are also covered if these are medically necessary. Each state must develop a dental periodicity schedule by consulting with dental practices or organizations specializing in child care. This schedule determines the right time to treat dental patients covered by EPSDT.
• Adult Care: Each state has its own policy for facilitating adult care. Some states don’t cover dental care at all, while some cover only emergency dental treatments, and some states like Michigan offer comprehensive dental coverage on many procedures.
• Pregnancy Rule: States like Alabama cover dental care only for patients with pregnancy. While some states extend care during the postpartum period (60 days after childbirth), states like North Carolina extend care to one full year after the childbirth.

Reimbursement rates are available in each state’s fee schedule. Consult your state’s manual or fee schedule to see what they’re reimbursing and plan your budget and treatments according to it.

Medicare Dental Coverage

Medicare Part A and B

Medicare dental coverage is very limited for procedures in Part A and Part B. 

Part A is the hospital insurance for patients who stay in hospitals for treatment or receive care in nursing facilities. And Part B is the medical insurance for patients, who visit doctors for check-ups and treatments, but don’t stay in hospitals.

The Part A and Part B insurance plans don’t cover most routine dental services, like cleanings, fillings, and tooth extractions. These also don’t reimburse for dentures and implants treatments. 

However, this is the policy in most cases, and Medicare might offer exceptions if a case is severe or needs treatment.

Medicare mostly covers dental procedures, if they’re linked to a medical necessity. It may offer some limited coverage on dental treatments before or during procedures. Examples include:

• Oral exam before heart valve replacements or bone marrow, kidney, or organ transplants
• Tooth extraction to treat a mouth infection before chemotherapy or other cancer treatments
• Dental procedures for complications experienced during head or neck cancer treatments
• Dental or oral exams, tests, and infection treatments before Medicare-covered dialysis services

Medicare Advantage (Part C)

Medicare Advantage is the insurance plan, in which Medicare partners with commercial payers, like Humana and United Healthcare. These payers cover most of Medicare benefits in Plan A and Plan B.

However, the policy, due to which Medicare Advantage stands out, is that it covers certain dental procedures, which original Medicare doesn’t provide. Each company or plan mentions the dental services it may cover in their plans.

They may cover preventive services like fluoride treatments, routine cleanings, and oral exams, or offer comprehensive coverage on fillings, crowns, root canals, extractions, bridges and dentures.

Check the patient’s plan coverage rules and limitations like annual maximums or frequency limitations to treat them and receive reimbursement according to the plan.

PPO Plans

Preferred Provider Organization (PPO) is a dental insurance plan, which allows patients to choose and visit any dentist, whether the dentist is in-network or out-of-network. 

If a patient sees an in-network provider, they get more benefits. And if they visit out-of-network providers, they may need to pay higher coinsurance or other out-of-pocket costs.

Commercial payers apply the same policy in their PPO reimbursement rules. 

If your provider or practice is in their network, you receive higher reimbursement rates, but if you’re not in the network, reimbursement is lower.

Plus, when you’re in the network, you accept payer’s payment in full according to the amount agreed in the fee schedule. In this case, you might have to write off some percentage of your fees. And you can’t charge a patient more than the coinsurance or copay for covered services.

But, when you’re out of network, you can charge your complete fees. Insurers pay a little portion of it and you charge patients for the rest of the amount.

HMO Plans

The DHMO (Dental Health Maintenance Organization) is an in-network plan, in which patients can see only in-network dentists. In this plan, if a patient sees an out-of-network practice, the payer doesn’t reimburse for any service.

In DHMO plans, patients pay lower premiums and deductibles, or may not need to pay a deductible at all. 

Copays are also fixed for each procedure. Patients pay predetermined charges. And most DHMO plans offer free or cost-effective routine services, like cleanings, exams and X-rays, to patients.

Now, if patients under DHMO plans visit your practice, you’ve to accept their fixed copays and insurers’ set fee as the complete payment for the service. You can’t charge patients higher than these costs.

To comply with these policies, check your payer’s HMO conditions and limitations. Implementing them in your billing ensures that you’re paid more and faster.

Indemnity Plans

Indemnity plans allow patients to visit any dentist whether the dentist is in-network or out-of-network. In these plans, patients are required to pay higher out-of-pocket costs, and the charges may exceed the insurer’s allowed amount.

For dentists, indemnity plans operate on a fee-for-service (FFS) model. In a FFS model, insurers pay dentists a percentage of their UCR fee, and patients pay the rest of the charges.

Unlike PPO or HMO plans, dentists can charge the complete fees to patients, even if it’s more than the contracted fee with insurance.

Some commercial payers and Medicaid or Medicare plans offer indemnity insurance programs, but these are very rare. PPO and HMO are now more common in dental insurance plans.

How to Comply with Payer Policy Updates?

The one thing where billing staff struggles the most is keeping up with changing payer policies and reimbursement rules. 

Insurers can change these rules anytime, and if your staff don’t follow billing updates and compliance, they end up submitting wrong claims which don’t fulfill payer expectations and requirements.

It’s important to follow the updates and regulatory compliance, and adapt your billing processes according to the new rules.

So, let’s discuss some key strategies for that.

Follow Your Payer Policy Changes

Different state laws require insurers to update practices in advance, if they plan on changing their policy rules. 

For example, the California Department of Insurance has a law, under § 10133.65, which requires insurers to notify health providers at least 45 days before they modify their plans and want providers to treat patients under their policy rules.

It legally protects your practice, but still, you shouldn’t wait for the insurer to inform you. Your staff should actively monitor changes in insurance policies by subscribing to their bulletins. 

You may receive email notification as soon as insurers announce these changes in your current contract.

Once you receive these notifications, start implementation.

Guide Your Staff on New Policies

Take the first step by training your staff. Guide them about changes in policies and train them on how they should start using these policies and manage the revenue cycle accordingly.

You can set up huddles, in which your compliance specialists train your staff about policy changes and their impact on revenue cycle.

Also provide them with the updated payer manuals, so they can read these manuals for guidance, and use them in their billing processes.

Implement Policies in Your Revenue Cycle

Once your staff learns the new policies, start adapting your dental billing and coding tasks according to payer policies and reimbursement rules.

Whether your staff submits manual claims or uses software to perform these tasks, they should use these policies.

In case of manual claim submission, the best thing is to keep the payer manual by side and consult it for help.

And if you use software to automate tasks, integrate the software with your payer rules engine, a single source of information, which contains all the details including:

• Covered and non-covered CDT codes
• Frequency limitations
• Age limits, tooth restrictions, and waiting periods
• Prior authorization requirements
• Fee schedules

Apply these rules when you start performing revenue cycle tasks in your software, right from verifying eligibility to attaching documents, selecting CDT codes for procedures, and submitting claims.

With automation, your software works according to payer policy rules. 

A final claim scrubbing check on the claim form and all the attached details detects all the errors and sees if billing, coding, and documentation complies with payer rules. If the claim is ready for submission, your software automatically submits the claims.

Outsource Revenue Cycle Management

One effective way to comply with payer policies is to outsource your revenue cycle management to dental RCM service providers like TransDental.

These companies effectively manage all the steps by complying with payer policies and reimbursement rules.

By using AI automation and expert billing staff, these companies implement the payer policies in their revenue cycle management, and make sure that dental claims qualify for claim approvals and your practice receives accurate reimbursements against contracted fee schedules.

It relieves your staff of adapting to multiple payer policies and checking them to see if claims are compliant. If there is even a single mistake, it can impact your entire revenue cycle. But outsourcing prevents that!

And the best part of outsourcing is that these companies charge a very little amount. It’s a fraction of what you recover from claims. 

If you hire revenue cycle specialists to manage the task, they charge an average $69,728 per annum. The same is the case with compliance specialists, who charge an average $67,638 per annum. And you need both of them to maintain payer policy compliance and manage the revenue cycle.

But, if you partner with RCM outsourcing companies, it’s a very cost-effective option. So, compare your costs, options, and benefits, and see if it’s worth your gains.

How to Understand Dental Insurance Policies Before Treatment?

While we’ve discussed what payer policies are and how they work, the big concern for practices is to understand dental insurance policies before a treatment. If done right, it helps prevent future patient disputes and billing errors or mistakes.

The best way to learn these policies is real-time insurance eligibility verification. Insurance verification helps your staff know what’s covered in a patient’s coverage plan. You can check the coverage benefits and limitations on the spot, so you get an idea of what insurance pays and what the patient needs to pay.

For instance, if a patient visits your practice for a root canal therapy. The maximum allowed amount is $800, in which the patient responsibility is $210 including copays and deductibles. In that case, you’ll charge $210 to the patient and receive $590 from the insurer.

This is the benefit of verifying coverage details on the spot. You get an idea, so you start planning treatment and provide details of patients’ costs right away. So, you can charge them. 

It strengthens your relationship with the patients as they know what they’ll pay, while you’ll receive timely payments. There are no surprise bills for patients and all the payment and treatment processes work smoothly.

Now, let’s discuss important components in a patient’s coverage plan which you learn with real-time verification, and these help you plan treatments and explain costs to patients.

Coverage Benefits

When you verify a patient’s coverage plans by checking payer portals or contacting insurers directly on the phone, it gives you a clear breakdown of the benefits available in a plan.

While each patient’s plan is different, most insurers cover the following:

• 100% preventive services (cleanings, exams, basic x-rays, fluoride, and sealants etc.)
• 70-80% of basic services (extractions, fillings, root canals, and periodontal treatments etc.)
• 50-60% of major services (bridges, crowns, dentures, and implants etc.)
• 50% of orthodontic services

Remember that insurers don’t cover complete treatment costs in most cases. They pay up to the allowed amounts for services and apply annual maximums, which are the total costs the plan covers in a year.

Example: A plan covers a crown procedure on a patient’s tooth at 50%, with an allowed amount of $800 and an annual maximum of $1,500. Preventive care is fully covered, and basic procedures like fillings are covered at 80%. In this case, the insurance pays $400, and the patient pays the remaining $400. If the patient hasn’t paid deductibles, they may have to pay deductibles as well.

Frequency Limitations

Frequency limitations help you know how many times insurance reimburses a certain procedure, and the total amount it reimburses for that particular procedure.

If a patient’s plan exceeds limitations, insurance doesn’t cover it. If you submit the claim for a treatment which has exceeded limitations, the insurer denies your claim. The patient has to pay the costs for the procedure.

Example: An insurer may allow two cleanings per year in a patient’s plan. If a patient already has two cleanings during the year, the insurer doesn’t cover the third cleaning. The patient has to pay the complete cost for the procedure.

However, some insurers may modify their frequency limitation rules with some exceptions. They may allow a third cleaning if you can prove that it’s medically necessary for the patient’s dental health. But, again, it’s not a confirmed thing. Each insurer has their own criteria to reimburse beyond limitations.

Waiting Periods

Waiting periods are the set amount of time, during which insurers don’t cover certain services in a patient’s coverage plan.

For example, they may not cover basic dental services like extractions or fillings for the first 3-6 months of the plan. In that case, the patient has to pay all the charges, if they visit the practice for treatment.

If you verify the payer’s waiting periods in the insurance plan, you can charge the patient for certain procedures at the time of service. It helps protect your revenue and prevent the hassle of following up with patients and pursuing them for collections and recoveries.

Non-Covered Services

Non-covered services are the services which an insurance plan doesn’t cover at all. It’s because insurance doesn’t consider them medically necessary.

Common examples include cosmetic procedures like teeth whitening or veneers. Patients mostly avail these services to improve the appearance of teeth, instead of treating teeth diseases or restoring normal eating function. But, most insurance plans may not reimburse for cosmetic treatments.

Insurers may also deny claims for replacing missing teeth with implants, when a cheaper service like dentures is available.

So, when your patients visit you for any of the above mentioned services, real-time verification lets you know about non-covered services and patient responsibilities in a coverage plan. It helps your front office staff to easily explain that patients have to pay completely for all these services. It makes your patient communication effective and rewarding.

Patient Responsibilities

Patient responsibilities are all the charges which a patient must cover. When you verify coverage, you get a clear picture of everything a patient pays.

The table below breaks down all the patient responsibilities by explaining them, so your front end staff knows about them and explains them to patients.

Prior Authorization

Insurance companies usually require practices to seek prior authorization for complex or high-cost procedures like crowns, bridges, dentures, and implants. 

As we discussed earlier, insurers want to control their costs, so benefits can be equally distributed to all the members.

Due to that, they want billers to get insurers’ approval before submitting claims. 

So, when you’re verifying insurance details, check your insurers’ manuals. These provide a complete list of procedures, for which practices should seek prior approval. They also explain the complete process to submit pre-authorization.

Follow your insurers’ preauthorization requirements and submit a prior authorization request.

In most cases, practice staff send pre-authorization requests through insurers’ payer portals, and provide all the procedure details including:

• Planned procedure
• Relevant CDT code
• Clinical details
• Specific details or documents if required by insurer

Insurers may provide you with an approval letter or an authorization number, which you add to your claim submission. It confirms that you have received pre-authorization from the insurer, improving chances of your claim approvals.

And in case, insurers don’t cover a service, even after you’ve provided proof to justify it, they’ll explain that to you. And you charge patients for it.

An important thing to note is that pre-authorization requirements can change anytime for dental procedures. For example, an insurer may have covered a crown procedure the previous year, but may not cover it this year and require pre-authorization to decide if they reimburse it.

Coordination of Benefits

When a patient has subscribed to two insurance plans, the coordination of benefits helps determine the primary and secondary plan. 

The following rules mostly apply in coordination of benefits:

• When a child is dependent on both parents, the Birthday Rule applies, in which the insurance plan of the parent whose birthday comes first in the calendar year covers the insurance first. For example, if a father’s birthday is March 15 and a mother’s birthday is September 10, the father’s plan is primary.
• If an individual is subscribed to insurance through the employer and is also covered under the spouse’s plan, the employer’s plan is primary and the spouse’s plan is secondary.

First, a primary claim is submitted to insurance. And once the primary insurer reimburses the claim, the secondary claim is submitted with details of the primary claim, such as the Explanation of Benefits (EOB) statement, which explains what insurer has paid or denied. The secondary claim covers the rest of the amount.

Example: A patient has two dental plans: Plan A (primary) and Plan B (secondary). The dentists performs a filling on tooth #14 that costs $200. First, the practice submits the primary claim, which covers 80% of the allowed amount, paying $160. And then, the practice submits the secondary claim, including details of the amount paid by Plan A. Plan B covers the remaining payable amount of $40, so the patient doesn’t have to pay any charges.

Now, when you check a patient’s coverage details via eligibility verification, you can see the COB details, through which you can check the primary and secondary plans. It helps you to submit claims in the right order.

So, once you submit the primary claim and receive reimbursement or denial with the EOB, attach it with your secondary claim and send it to the secondary claim payer, so they can review details and process payment accordingly.

How to Use Payer-Compliant CDT Codes and Documentation?

Here are a few coding and documentation tips, which your practice should follow to get dental claims approved by payers:

Review ADA and insurer-accepted code manuals

Codes in the Current Dental Terminology (CDT) never stay the same. The American Dental Association (ADA) releases its CDT updates every year to complement the technology and treatment needs for that time frame. For example, in the 2026 update, ADA removed all the COVID-19 treatment codes, as they’re no longer in practice.

So, the best approach is to acquire ADA’s coding kit. It features a complete list of codes which ADA defines for that year. ADA deletes some codes, modifies existing codes, and adds new codes per requirements.

But, while the ADA publishes these codes and everyone recognizes these codes, insurers may select which codes they want to reimburse. They do so to control costs.

Example: A payer may bundle a simple check-up and a diagnosis code into the major treatment code. For instance, D4341 is the CDT code for periodontal scaling and root planing for four or more teeth per quadrant. Insurers may not reimburse the checkup and diagnosis codes like D0120 (periodic oral evaluation), D0150 (comprehensive oral evaluation), and D0180 (comprehensive periodontal evaluation), and bundle it into the larger treatment code of D4341.

So, check payer manuals to see which codes they accept and reimburse for dental procedures.

Check Payer’s Required Documents

Each insurer requires billers to submit documents for certain procedures. Most of the common documents include clinical notes, radiographs, intraoral photos, narratives, and periodontal charts. 

But these requirements can vary for each procedure.

So, consult your payer manual to check payer-specific documentation requirements to accept or submit claims for a dental procedure.

Take Diagnostic-Quality Radiographs

When you submit dental X-rays for procedures, make sure that your radiographs are clear to view. These should not be blurry, cropped, or outdated. 

Clearly visible radiographs allow insurers to see the condition of a tooth, whether it’s decay, infection, bone loss, or structural damage. Insurers review the radiograph to decide if the dental condition requires treatment and is acceptable for claim reimbursement.

When an image is taken in good quality and clearly shows the evidence of tooth damage or a condition which requires treatment, chances are that insurers approve and reimburse your claims.

Craft Narratives to Describe a Treatment

Narratives are a great source for insurers to learn all the details of a treatment. You’ve to write these narratives very concisely but shouldn’t miss any important detail.

A narrative explains everything including:

• Patient’s diagnosis
• Patient’s condition with symptoms
• Patient’s prior treatments (if occurred) with dates
• Progress in the condition
• Subsequent treatment

Mentioning all that helps insurers understand why the procedure is necessary and if it qualifies for reimbursement. Plus, if you add ADA guidelines on oral health, your narrative can be more effective.

Here is an example of crafting a professional narrative for treating tooth decay with a crown. This makes it easy for insurers to understand the details.

How to Maximize Claim Reimbursements?

The purpose of managing a revenue cycle is to boost dental claim reimbursements, so your practice collects more and generates higher profits.

Here are a few ways through which you can follow and manage payer policies and reimbursement rules to receive fair reimbursements.

Negotiate Fair Rates with Insurers

When you enroll with an insurance network, it’s the best time for you to set optimal rates with insurers. 

Since the insurer pays a rate lesser than your UCR and you can’t charge a patient higher than the allowed amount, this is where you can set contract terms that secure your finances.Once these rates are final, you can’t change them for the duration of the contract.

Let’s suppose your treatment rate for a dental implant on a single tooth is $1,500. The insurer sets an allowed maximum of $1,200 and the patient pays $200. You’ve to write off $100 as a contractual adjustment.

But, make sure that the contractual adjustment doesn’t impact your revenue. It should be sufficient enough to generate profits.

So, share your area’s UCR fee, practice’s expenses which include staff salaries, equipment costs, utility bills, and other rental charges. All these details help you justify your reimbursement rates.

With professional dental credentialing, you can secure high rates and negotiate contracts with insurers, which benefit your practice. It helps you improve your services and offer quality patient care.

Take Advantage of Contract Renewal

The contracts between insurance companies and dental practices mostly last 1-3 years. If you’re a participating provider in an insurance plan, you’ve to renew the contract, right before your contract is expiring.

Renewing the contract is a better and proactive approach than re-credentialing, where you’ve to start the lengthy credentialing process all over again, which requires time, effort, and investment.

Contract renewal is also the time where insurers try to attract providers by presenting offers, like high reimbursement rates, or flexibility in insurance rules. 

It’s the best time where you can convince them to set fair reimbursement rates that meet your expenses and are enough for you to generate profits.

Connect with Payer Representatives

Maintaining strong contacts with insurance company representatives makes it easier for you to follow payer policy compliance and submit claims that get approved and reimbursed fast.

When you contact these representatives before submitting your claims, you get information about the ongoing payer policies and reimbursement rules in real-time.

These reps assist you with verifying a patient’s eligibility, informing about the available benefits and limitations. They also guide you about other important details related to a procedure, such as:

• Accurate CDT codes
• Correct information of required documents
• Prior authorization policies
• Upcoming fee schedule or policy changes
• Bundling and downcoding policies

By using this information, you can prevent claim denials and payment delays.

Plus, these reps also assist in tracking claims, providing you follow-up on the progress. You can also reduce accounts receivable to a great extent by contacting these reps regularly for follow up on claims that are stuck in pending status for weeks.

And these reps also guide you about proper payer guidelines to send appeals, so you can follow these instructions to correct denied claims or resubmit underpaid claims.

Automate Revenue Cycle Processes

When you automate your revenue cycle processes via a dental RCM software, all the financial tasks become fast and efficient. You may buy a separate RCM tool or use a practice management software with built-in RCM features.

The software can easily manage all the tasks from scheduling patient appointments and verifying patient coverage to submitting claims and managing claim denials.

By using artificial intelligence (AI), the software automates these tasks for quick processing. 

Here, you can enter payer policies and reimbursement rules by importing CSV files or manually typing:

• Fee schedules
• Bundling and frequency limits
• Age limits
• Tooth-specific rules
• Documentation requirements

You can also configure rules in the software for billing errors like incorrect coding, missing surfaces or tooth numbers, incomplete documents, and wrong details. 

Once there is a billing error or details that don’t comply with payer policies, the system automatically flags these issues, so you’re notified on time and your staff can correct your claims according to payer requirements.

Integrate with Payer Portals

Insurance companies provide you access to their payer portals via credentials, which your staff uses to log in to these systems.

If you integrate your portals with your RCM, PMS, or billing software, these show you policies for pre-authorization, patient eligibility and benefits, supporting documents, and other requirements for claim submission during the process.

By following the instructions, you can submit accurate claims which comply with payer policies and are more likely to get reimbursed.

Track and Analyze Claim Denials

When your claims are denied, track them regularly and analyze them. Compile data of all denied claims by checking their EOB statements. In these statements, insurers explain the reason for denying the claims.

If most of your claims are being denied for a particular reason, review the error and start planning a strategy to prevent that.

Train your staff on using correct and compliant claims according to payer policies. Also set up standard operating procedures (SOPs) for these claims, so these errors don’t occur in your future claims. It increases claim acceptance rate.

Example: You notice that your multiple claims for periodontal procedures are being denied, because the CDT code is incorrect. When you review details in the EOBs, these explain that the providers have documented CDT D4342 for a scaling and root planing treatment for two teeth, but enter CDT D4341, which is used for a SRP treatment for four or more teeth.

Now, to correct the issue, train staff to verify that the CDT code matches the dental procedure in the payer’s manual. And update your practice’s SOPs, requiring your billing team to check and review a claim at least twice before submitting it.

Reconcile Your Reimbursement Fee

When your claims are reimbursed, check the EOBs and see if the reimbursement fee matches your contracted rate on the procedure.

If the payer is paying you less than your contracted fee on your correct claims and if this is a recurring pattern, act immediately, by submitting appeals to the payers for reimbursing the complete contracted fee.

Also document all the steps from receiving EOBs and sending appeals to correct underpayments, if your practice has faced the issue multiple times.

Plus, conduct billing audits to review your past payments and see if you’ve been fairly paid according to the contracted rate.

Once you compile the data, it can assist you legally, if your payer continues to reimburse less than the agreed amount, and doesn’t entertain your appeal requests.

Since you’ve already agreed to a lesser amount than your regular checkup fees with the insurer, it’s your right to request your due payments. If you ignore this aspect, your practice can lose hundreds of dollars.

New Dental Payer Policies to Watch For in 2026

Let’s review a few changes in payer policies and reimbursement rules, announced by states and insurers for 2026. 

This helps your practice staff act accordingly while seeing enrolled patients and submitting claims. They get an idea of new patient responsibilities and insurers’ coverage policies on dental procedures.

New Recognized Codes in CDT Updates

In 2025, ADA updated the CDT code standards for 2026, which insurance companies and practices needed to follow throughout the year. Various insurers published their policies, explaining the codes they recognize and the codes they won’t reimburse.

Example: Northeast Delta Dental, which mainly covers the states of Maine, New Hampshire, and Vermont, has mentioned its 2026 CDT code and policy changes.

The key changes in the policy are a list of services, which the insurer doesn’t cover. It categorizes these non-covered services into those which can be billed to the patient, and those which are non-billable.

A major example is D0426 (Saliva sample analysis), which is not offered as a benefit by the insurer for the patient. Practices can charge patients subscribed under Northeast Delta Dental for this procedure. 

On the other hand, practices can’t bill patients for D0461 (Testing for cracked tooth), which is a part of the definitive procedure.

It also doesn’t reimburse for D6280 (Recement implant/abutment supported fixed partial denture) on a patient if the patient has already received treatment for a denture within the same year.

Changes in Medicare Advantage Dental Plans

As we’ve discussed, Medicare doesn’t cover CDT codes and dental plans if they’re not linked to a medical necessity. However, Medicare Advantage is an exception, where private insurance companies cover some dental procedures.

Private insurers which cover Medicare Advantage plans have announced some changes in their policies for 2026.

Example: In 2025, United Healthcare announced some changes to its Medicare Advantage dental policies, which are effective in 2026. According to the changes, it doesn’t cover D9410 (Periodontal maintenance) for periodontal-only plans. It only covers preventive procedures like:

• Exams and cleanings
• Fluoride treatments
• X-rays

It has also revised its policy for comprehensive-only plans, in which it has added 50% coinsurance to non-preventive services. The services it covers in these plans include:

• Dentures
• Exams and cleanings
• Extractions
• Fillings and crowns
• Fluoride
• Root canals
• X-rays

Conclusion

Managing payer policies and reimbursement rules in a dental revenue cycle isn’t an easy task. Each payer has their own requirements, which billing staff must follow, to get fast claim approvals and complete reimbursements. 

This can be managed easily by:

• Automating your practice’s revenue cycle management
• Integrating payer policy updates with it
• Reconciling payments with your contracted fees
• Appealing for payments on time

On top of that, if you invest in cost-effective and professional revenue cycle management, collections are profitable and revenue growth becomes unstoppable.

Frequently Asked Questions (FAQs)