You’ve just finished a root canal and now your dentist says you need a post and core buildup to support a crown. You’re probably asking yourself, will UHC covered post and core buildup help you save on out-of-pocket costs? In this guide, you’ll find out how UnitedHealthcare treats this procedure, what you’ll pay, and how to make your benefits work for you.
I’ll walk you through UHC coverage details, plan checks, and smart tips to stretch your dollars. Let’s dive in.
Understand UHC covered post and core buildup
UnitedHealthcare generally classifies a post and core buildup as a major restorative service. After you meet your annual deductible, UHC plans often cover 50 percent of major procedures when you see an in-network provider. That means if the dentist charges $800 for the build-up, you’d pay about $400, plus any unmet deductible.
Key plan features that shape your costs:
- Deductible – usually $50–$100 per person, per year
- Coinsurance for major services – typically 50 percent after deductible
- Annual maximum – often $1,000–$2,000 per calendar year
- Waiting period – 6–12 months before major services kick in
| Plan feature | Typical in-network UHC range |
|---|---|
| Deductible | $50–$100 per person, per year |
| Coinsurance for major procedures | 50 percent after deductible |
| Annual maximum | $1,000–$2,000 per calendar year |
| Waiting period for major services | 6–12 months |
Coverage levels vary by plan, so your numbers may differ. Always check your benefit summary before booking.
Post and core buildup overview
A post and core buildup rebuilds a tooth that has lost more than half its structure after a root canal. Here’s how it works:
- Post placement
- A slender post (often fiber-reinforced resin) is cemented into the cleaned root canal
- It anchors the new core material and gives the crown a stable foundation
- Core build-up
- Tooth-colored composite replaces missing structure above the gum line
- The core portion shapes your tooth so the crown fits snugly
- Crown preparation
- Once the build-up sets, your dentist will trim and shape it
- This ensures a perfect fit for your permanent crown
Most dentists complete a prefabricated post and core in one visit, usually within 30–60 minutes. If your tooth needs a custom cast post, expect two appointments: one for an impression and another to cement the cast piece.
Check your UHC benefits
Before scheduling, follow these steps to verify your UHC coverage:
- Log in to your UnitedHealthcare member portal
- Download or view your plan’s summary of benefits
- Look under “major restorative services” for coinsurance and waiting periods
- Note your unmet deductible and year-to-date maximums
- Call your dentist’s insurance coordinator to confirm in-network pricing
Choosing an in-network dentist can lower your share of costs. If you’re not sure where to start, visit restorative dental work with UHC coverage (/restorative-dental-work-with-uhc-coverage) to find a local provider.
Prepare for your procedure
Getting ready for your post and core buildup can ease nerves and prevent surprises.
Before the visit
- Bring your UHC insurance card and photo ID
- Ask your dentist if they need prior authorization (approval)
- Confirm any required x-rays or scans are on file
During the procedure
- Your dentist will numb the area with local anesthesia
- The post is cemented in place, then core material is applied and shaped
- You’ll rinse and bite down gently to check the fit
Most patients feel little to no discomfort thanks to modern anesthetics. Feel free to let your provider know if you feel pressure or sensitivity.
Aftercare and follow-up
- Avoid chewing on the treated tooth for 24 hours
- Stick to soft foods like yogurt, mashed potatoes, or soup
- Take over-the-counter pain relievers if you feel mild soreness
- Schedule your crown placement (usually within 1–2 weeks)
Maximize your UHC coverage
Stretch your benefits with these friendly tips:
- Stay in-network whenever possible to get the best coinsurance rates
- Plan your procedure early in the year if you know you’ll hit your annual maximum
- Pair your build-up with any eligible preventive visits to save on checkups
- Use an HSA or FSA to pay your deductible and coinsurance with pre-tax dollars
- Ask your dentist about bundled pricing if you need multiple restorations
Frequently asked questions
What happens if I skip the buildup and go straight to a crown?
Without a sturdy core, the crown may fail or fracture, leading to more complex—and costly—repairs down the road.
How long does a post and core buildup last?
With good oral hygiene, the build-up can last many years, often matching the lifespan of your crown.
Does UHC cover a cast post differently than a prefab post?
Coverage typically stays the same, but a custom cast post may incur lab fees. Check your plan details for lab allowances.
Can I switch to an out-of-network dentist if I prefer?
Yes, but your coinsurance could jump to 40 percent or higher, and you may pay the difference between billed and allowed amounts.
Key takeaways and next steps
- UHC treats post and core buildup as a major service, usually covering 50 percent after deductible
- Always verify your deductible, coinsurance, waiting period, and annual maximum before booking
- Choosing an in-network dentist lowers your costs and speeds up claims processing
- Preparing well and using tax-advantaged accounts can shrink your out-of-pocket share
Ready to move forward? Call your dentist to confirm your benefits, then schedule your appointment with confidence. Looking for other UHC covered services? Check out:
- uhc covered dental fillings for seniors
- uhc covered single tooth implant
- uhc covered denture relining and repair
- uhc covered temporary crown repairs
Have questions or tips about post and core procedures? Share them below to help others make informed choices.
