Dental Insurance & Office Training Hub

Mastering Dental Insurance Claims:

The Power of Narratives & Attachments

Getting Paid Without the Headache!

If you’ve ever found yourself battling denied claims, unclear narratives, or missing attachments, welcome to the club!

Here at Clear Way Dental Claims, LLC, we’ve seen it all, and we’re here to help. Claim rejections don’t just delay payments, they disrupt cash flow and frustrate your team.  But don’t worry, we’ve cracked the code to faster claim approvals and fewer headaches!

We're giving you a quick, visually engaging, and practical way to master narratives and attachments. Bookmark this page for continued reference!

🔍  Understanding the Role of Narratives & Attachments

Dental billing isn’t just about coding and submitting claims, it’s about telling a clear and compelling story to insurance companies. Unlike medical billing, where standardized codes often suffice, dental claims require specific documentation, attachments, and narratives to justify treatment necessity.


Each Current Dental Terminology (CDT) code, governed by the American Dental Association (ADA), has specific documentation guidelines.


Let’s break it down procedure by procedure with visuals to make this easier!

Full Mouth Debridement (FMD) - ADA D4355

📌 Attachments: Pre-treatment intraoral images and clinical notes
Narrative: "Full mouth debridement performed due to excessive plaque and calculus buildup, necessary to allow for a comprehensive periodontal evaluation."

"Remember you CANNOT bill a COE (D0150) or POE (D0120) with this procedure code. Only a POE D0140 is permissible. 

This procedure code is allowed when diagnosing caries and other exam focused diagnostics isn't possible!"

🦷 Diagnostic & Preventative Procedures

🦷 Occlusal Guard- ADA D9944
📌 Attachments: Full Mouth Series X-ray(s)

Narrative:
Patient presents with bruxism, occlusal wear, and associated head, neck, and jaw discomfort. A hard occlusal guard was prescribed to protect dentition and alleviate symptoms. Favorable prognosis.

Periodontal Maintenance - ADA D4910

📌 Attachments: Periodontal Charting
Narrative: "Periodontal maintenance performed following previous SRP on [mm/dd/yyyy]. Patient requires continued periodontal therapy to prevent progression of disease."



PPE - ADA D1999

📌 Attachments: Itemized list of PPE used
Narrative: "Personal protective equipment (PPE) used to maintain infection control during treatment in accordance with CDC guidelines."

🦷 Periodontal Procedures

Scaling & Root Planing (SRP) - ADA D4341/D4342

📌 Attachments: Full Mouth Series (FMS) X-rays & Periodontal Charting
✍ Narrative:
"Scaling and root planing is necessary to remove subgingival microbiota, both alive and dead, to prevent further bone loss. Patient presents with bleeding on probing (BOP), inflammation, unattached gingiva, puffing interdental papilla, and 5mm+ pockets in each quadrant."

Osseous Surgery - ADA D4263/D4265

📌 Attachments: Intraoral photos
✍ Narrative:
"Osseous surgery was necessary to detoxify the root surface and prevent further bone loss. Bone graft was placed to promote new attachment and bone regeneration."

Gingivectomy - ADA D4210/D4211

📌 Attachments: Periodontal Charting and X-rays
✍ Narrative:
"Gingivectomy performed on [quadrant/teeth] to remove diseased tissue and reduce pocket depth, improving oral hygiene access."

Crown Lengthening - ADA D4249

📌 Attachments: PA X-ray and BW X-ray
✍ Narrative:
"Crown lengthening needed on [Tooth #] due to improper biological width. Without the procedure, the crown margin would have been placed too close to the bone."

🦷 Pediatric Stainless Steel Crown - ADA D2931/D2930

📌 Attachments: Pre-op & Post-op X-ray
Narrative:
"A stainless steel crown was placed on [Tooth #] due to extensive decay, fracture, or developmental defect. This restoration was necessary to maintain proper function, prevent premature tooth loss, and ensure long-term durability until natural exfoliation."

🦷 Veneer - ADA D2962

📌 Attachments: Pre-op & Post-op X-ray
Narrative:
"Porcelain veneer placed on [Tooth #] due to enamel erosion, discoloration, or structural damage. The minimally invasive restoration improves aesthetics while preserving natural tooth structure. Veneer placement was necessary to restore function and enhance smile appearance."

🦷 Restorative Procedures

Full Coverage Crown - ADA D2740/D2750

📌 Attachments: Pre-op and post-op X-ray
Narrative: "Crown placed on [Tooth #] due to recurrent decay and failing restoration. The tooth required full coverage for structural integrity."

Core Buildup with Crown - ADA D2950

📌 Attachments: Pre-op X-rays and clinical notes
Narrative: "Core buildup performed on [Tooth #] to support crown placement due to extensive loss of tooth structure."


PS: For CROWNS:

"Don't forget to all of placement is Initial or Replacement and if replacement add the replacement date (or ask the patient to estimate as closely as possible. Some insurance companies are anal and want prep and seat dates, we add them just to be safe!"

Protective Filling - ADA D2940

📌 Attachments: Pre-op X-rays and clinical notes
Narrative: "Temporary filling placed to protect the tooth from further decay until permanent restoration is completed."


Inlay/Onlay Restoration - ADA D2650/D2662/D2643

📌 Attachments: Pre-op X-rays and clinical photos
✍ Narrative: "Inlay/Onlay placed on [Tooth #] due to fracture or decay that compromises cusp strength, preserving remaining tooth structure."

🦷 Oral Surgery Procedures

Simple Extraction - ADA D7140

📌 Attachments: Pre-op X-rays
Narrative: "Extraction of non-restorable tooth due to extensive decay or fracture."

Wisdom Teeth Extraction - ADA D7210/D7250

📌 Attachments: Panoramic X-rays
Narrative: "Extraction of impacted wisdom teeth to prevent infection, pain, and misalignment of adjacent teeth."

Bone Graft Following Extraction

📌 Attachments: Post-op X-rays
Narrative: "Bone graft placed in extraction socket to preserve ridge structure for future restoration."

Frenulectomy - ADA D7960

📌 Attachments: Intraoral photos
Narrative: "Frenectomy performed to increase tongue mobility and improve oral function."


🦷Endodontic Procedures

Root Canal Treatment - ADA D3310/D3320/D3330

📌 Attachments: Pre-op X-rays and clinical notes
Narrative: "Root canal performed on [Tooth #] due to gross decay, irreversible pulpitis, and periapical pathology."

Post & Core - ADA D2954

📌 Attachments: Post-op X-rays and clinical notes
Narrative: "Post and core placed in [Tooth #] to provide stability and retention for the final crown following root canal therapy."

🦷 Implant Procedures

Implant-Supported Crown - ADA D6065/D6066/D6067

📌 Attachments: Pre-op & Post-op X-ray
Narrative:
"Crown placed on implant at [Tooth #] to restore function, occlusal stability, and aesthetics. The custom restoration provides full coverage and long-term durability."

Implant Placement - ADA D6010

📌 Attachments: Full Mouth Series X-ray(s) & Panoramic X-ray
✍ Narrative:
"Implant placed at site [Tooth #], which was extracted on [mm/dd/yyyy]. Procedure necessary to maintain occlusal function, prevent bone resorption, and restore proper mastication. Implant placement was medically necessary to ensure long-term stability and function."


Abutment Placement - ADA D6056/D6057

📌 Attachments: PA X-ray & BW X-ray
Narrative:
"Custom abutment placed on [Tooth #] to support final implant restoration. Abutment selection was based on optimal fit for occlusal function, tissue health, and prosthetic stability."

Implant-Supported Bridge - ADA D6075/D6076/D6077

📌 Attachments: Pre-op & Post-op X-ray
Narrative:
"Implant-supported bridge placed between [Tooth #] and [Tooth #] to replace missing dentition. Bridge maintains arch integrity, prevents shifting, and restores functional occlusion."


Implant-Supported Denture - ADA D6110/D6111

📌 Attachments: Full Mouth X-ray(s) & Panoramic X-ray
Narrative:
"Implant-supported denture fabricated for [Maxillary/Mandibular] arch to improve retention, stability, and patient function. The prosthesis enhances patient comfort and prevents further bone resorption."


Fixed Bridge - ADA D6740 (Pontic: D6245)

📌 Attachments: X-rays showing missing teeth and abutment health
Narrative: "Fixed bridge placed on [Tooth #s] to replace missing teeth, restoring function and preventing shifting of adjacent teeth."

Dentures - ADA D5110/D5120

📌 Attachments: Pre-op X-rays and clinical notes
Narrative: "Complete denture fabricated for [Maxillary/Mandibular] arch to restore full function following loss of teeth."

"Add teeth Extraction dates if possible or state of teeth were cogitatively removed before visit."

Alveoloplasty - ADA D7310

📌 Attachments: Pre-op X-rays and clinical notes
Narrative: "Alveoloplasty performed in [specific quadrant/area] to contour and smooth alveolar ridges, facilitating proper healing and future prosthetic placement."

🦷 Prosthodontic Procedures

Partial Dentures - ADA D5213/D5214

📌 Attachments: Pre-op X-rays and clinical notes
✍ Narrative: "Complete denture fabricated for [Maxillary/Mandibular] arch to restore full function following loss of teeth."

"Add teeth Extraction dates if possible or state of teeth were cogitatively removed before visit."


🦷 Interim Partial Denture - ADA D5820

📌 Attachments: Full Mouth Series X-ray(s) & Panoramic X-ray
Narrative:
"Interim partial denture placed for [Tooth #s] to restore function and aesthetics while awaiting definitive treatment. The patient plans to receive [permanent partial denture/implant-supported prosthesis] in the future. This temporary restoration maintains occlusal stability and prevents adjacent teeth from shifting."

📝 Quick Tips for Dual Dental Insurance Coverage with a State Medicaid Plan

1️⃣ Always Bill the State Plan as Secondary:
State-covered Medicaid plans
must always be billed as the secondary payer, even if the primary insurance denies the claim.

2️⃣ State Plans Will Not Cover Amounts Beyond Their Allowed Fees:
Medicaid will
only pay up to their allowed amount—they do not cover the remaining balance beyond their fee schedule.

3️⃣ Check State Eligibility First:
Before submitting a claim, verify
Medicaid eligibility on your state’s website.
For Michigan providers: Use CHAMPS: CHAMPS Michigan Login.
This step helps prevent denials, delays, and unnecessary backtracking.

📝 Narrative for Dual Insurance (Primary & State Medicaid as Secondary)

Primary Insurance:
" Other Insurance (State Note): Secondary insurance is state/government dental.

"OR" 

for a more detailed Narrative per insurance plan request:

Patient has dual dental coverage.  Primary claim submitted to [Primary Insurance Name].  Secondary insurance is a state-funded plan, which will process benefits based on their allowed fee schedule. State Medicaid does not cover remaining balances beyond their allowable amount. Eligibility verified via [State Medicaid System Name]."


📢 Conclusion: The Clear Way to Claim Success!


At Clear Way Dental Claims, LLC, we understand that the smallest tweaks in narratives and documentation can mean the difference between instant approval and frustrating denials. A well-documented claim is a successful claim—insurance companies want clear, medically necessary justifications for every procedure.


By attaching the right evidence and writing concise, to-the-point narratives, you can increase claim approvals and improve revenue cycle efficiency. Many of our clients have seen significant reductions in denials simply by implementing these best practices.


Key Takeaways:

Always provide clear, concise narratives with the required attachments.
Stay updated on ADA CDT codes and insurance-specific requirements.
Avoid denials by submitting complete documentation the first time.
Streamline the claim process by following proven best practices.


📌 Stay tuned for Part 2, where we’ll dive deeper into insurance-specific requirements and provide custom templates you can start using immediately!


💡 Need expert guidance? Let’s talk! Clear Way Dental Claims, LLC is your trusted partner in seamless, stress-free dental billing. 🚀


🎁 More Free Dental Office Essentials – Just for You!

At Clear Way Dental Claims, LLC, we believe that efficiency starts with the right tools in hand. To help your practice streamline daily operations and improve workflow, we’re offering these FREE downloadable checklists—because your team deserves to work smarter, not harder!


📌 What’s Included?


Dental Assistant Chart Review Checklist – Ensure every patient’s chart is accurate, up-to-date, and prepped for seamless treatment. This checklist helps reduce errors, save time, and keep clinical workflows on track.


Front Desk Patient Check-In & Chart Review Checklist – The front desk is the heartbeat of every dental office. Use this checklist to verify appointments, update insurance, and enhance the patient experience from the moment they walk in.


🚀 Optimize your practice today! Download these must-have resources and take your office efficiency to the next level. Because clear workflows = clear way to success!


Share by:
G-R7F15N19TZ