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What You Need to Know About Using Your Dental Insurance in Mexico

Things to Consider About Your Dental Insurance in Mexico

You pay your monthly premiums so you can have some coverage for dental care. But what if you need extensive work? Chances are your dental insurance will max out at $1,500 or $2,000. Many dental insurance providers count the cost of your yearly examinations, X-rays, and cleanings in that amount. That leaves you with some money still left, but certainly not enough to cover you if you need extensive treatment.


Using Your Dental Insurance in Mexico

According to the Fair Health Consumer, on average, a dental crown in the U.S. will run you around $1,672. If you need a root canal, you can expect to spend up to $1,400. As for dental implants, many dental insurance companies don’t even include them as covered treatment. Averaging up to $3,000 per tooth means you may have to pay entirely out of pocket for your treatment.

If you’re getting a procedure that’s covered, most likely you will still be responsible for your deductible and co-payment or co-insurance portion of the treatment. These out of pocket costs add up fast and make many people wonder if buying dental insurance if even worth it. You might enjoy reading more about this on our article Is Dental Insurance a Scam.

Thankfully, getting affordable, quality dental care in Mexico is possible. Dentists in our programs are skilled and licensed with comparable training to U.S. dentists. They have equal or better dental technology and equipment. They use the same materials. And, they adhere to the same sanitation procedures in place as U.S. dentists. If you are wondering why it’s so much cheaper then you should definitely check out our article on Dental Tourism: Why You Should Get Dental Work in Mexico.

And guess what else? Your dental insurance may cover treatment there too. On average you can save up to 75% on dental care by crossing the border to Mexico. That crown that would have cost you $1,672 at your local dentist in the U.S. will only cost $425 in Mexico. And the root canal that would cost $1,400 in your hometown would cost only $250 south of the border. Dental implants are cheaper too, averaging $1,800, or in many cases, half of what you’d find at your local dentist in the U.S.

So the bottom line is by going to Mexico you can save a lot, especially if you need extensive dental work. Some dental insurance providers are covering non-emergency care outside of the U.S. We’ve identified one, Delta Dental’s PPO plan.


How to Use Your Dental Insurance in Mexico

Delta Dental is a major dental insurance provider in the U.S., so there’s a good chance you’re covered. According to Delta Dental’s website, “As a Delta Dental subscriber, you can visit any licensed dentist anywhere in the world for your dental care. Even if you’re out of the country when you receive dental work, you have peace of mind when you have Delta Dental coverage.”

You may be thinking, what does this mean for me? Well you can go to Mexico for cheaper dental work and be reimbursed by your dental insurance provider.

Here’s How it Basically Works

Step 1: Before you go to Mexico contact your dental insurance provider and ask if you are covered for the dental treatment you plan to have done. Ask if you need pre-authorization, what are the requirements for the reimbursement, and what address you need to send the dental receipts.

Step 2: In advance, before your appointment, let the dental office you plan to file an insurance claim. If you have any questions concerning your insurance please contact your insurance provider or the dental office for assistance.

Step 3: After you complete your dental care, mail the receipt to your dental insurance provider. If you do not hear from your insurance provider within a few weeks, call them directly to inquire about your claim.

Please remember, when you seek dental care outside of the U.S., you are responsible for obtaining the necessary documentation for services provided, filing a claim with your insurance provider, and paying the dentist at the time services are performed.

Although some dental offices in Mexico can directly bill your insurance company, the vast majority of dentists will only complete the reimbursement paperwork and you will have to submit it to your insurance provider. Please note, that all officeal notes are written in Spanish, and hence, can sometimes present a challenge in processing insurance.

How to Use Your Dental Insurance in Mexico

To find out more about how you can get affordable, high-quality dental care in Mexico, call us today at (505) 738-7770 or click this link to send us your inquiry and we’ll get back to you.

**Disclaimer: This is not a guarantee of benefits. Individual coverage may vary by plan and/or state. Some exclusions may apply. Please check with your dental insurance company to see what benefits you are eligible for. 

13 Responses to What You Need to Know About Using Your Dental Insurance in Mexico

  1. The dentist that we went to in Mexicali overcharged our insurance! Just because our insurance PPO covers up to $550 for exam, xray and cleaning, she consumed all that! Beware!

    • Thank you for sharing your experience with getting dental care in Mexicali, Mexico. Unfortunately overcharging and over prescribing dental care is not uncommon, in Mexico and the United States. That’s part of the value of our vetting process – to reduce these common problems. We advocate for our patients and this helps keep expectations in check.

      We encourage our patients to get a price estimate of the dental care they need before they make an appointment. Our clinics would have charged around $150 for the same care you received.

  2. Hi Christina,

    There are many dental insurance providers available but this is not a service we offer. What we recommend is that you carefully research providers because from our experience, dental insurance is not worth it.

  3. Hi,

    In order to reimburse me for dental work done in Mexico, my insurance (Delta) requests among other things that the dentist providing the work provides a “Mexican tax stamp.” I understand that this item is to show that the dentist is in full compliance of tax laws, but what exactly is this item? Is it a document, a number, a real stamp (literally)? I want to be able to explain my dentist what it is so that he can provide it. Thank you!

    • Hi Rebecca,

      Great question! It’s important to know that not all dental offices in Mexico process insurance claims, however, our dental offices do as a complementary service to their patients. All you need to do is bring your insurance claim forms with you to your appointment and they know exactly how to file your claim and what stamp is needed, so you don’t have to worry about it. They also mail your claim on for you and the reimbursement check will be mailed directly to you.

  4. I had to go to Tijuana for dental service recently. I paid for the dental service because I was told my delta dental insurance would not cover me outside the USA. Do you have a dental insurance that would cover me the next time I go to Tjuiana?

    • Thank you, Eva, for submitting your dental insurance question. We are a dental referral service and do not offer insurance so we cannot help you with your insurance issue, however, we do have a blog on dental insurance that you may find helpful, click here. We have patients who have Delta Dental insurance and it’s accepted in our dental offices so not sure why yours was rejected. You may want to contact your insurance provider directly for assistance.

    • Root canals range between $250 up to $330 per tooth. If you need four root canals the total would be $1000 up to $1320.

    • Hi Victoria,

      As long as having dental treatment done in Mexico is acceptable by HSA guidelines you can use HSA money to pay procedures. Our dentists do not process insurance claims for patients but they will provide you with an invoice and explanation of procedures done so you can process a claim yourself.

    • Hi George,

      We do not provide dental insurance so unfortunately we cannot help you with your request.

If you wish ask about your dental needs, please use our dental inquiry form.

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Note: The information (content) we provide on is for the education of others. This content is not intended and should not be interpreted as dental advice.