Have you ever met anyone who looks forward to dental appointments? Let’s be honest; nobody wants to visit their dentists regularly for many different reasons. According to the Australian Institute of Health and Welfare, of the Australian children aged 14, 58% have tooth decay. What’s worse is that 3 out of 10 adults in Australia leave their tooth decay untreated. This ratio is because most of us associate dental appointments with pain, discomfort, and high cost. That is what dental health insurance is for.
What is dental health insurance?
Dental health insurance is a specialised health coverage necessary for preventative, minor, and some major dental care issues. Some health insurance companies offer this unique coverage as part of their benefits. To some, it is a standalone coverage so anyone who needs dental benefits can avail of this, even those without existing health insurance.
How does a dental health insurance work?
This healthcare benefit works like any health insurance. You pay for the monthly premiums stated under your dental health insurance. Once you have satisfied your deductibles or out-of-pocket payments for specific dental procedures, your insurance company will now start covering your dental expenses. They have a list of dental procedures that they cover based on the type of insurance you availed.
What is your dental health insurance coverage?
There are two main types of dental health insurance: General dental and Major dental. These two cover different dental services and cost different monthly premiums as well.
General dental insurance usually covers basic dental procedures such as routine consultations, teeth cleaning, fluoride application, small dental fillings, and most preventative dental workups.
Major dental insurance, on the other hand, covers orthodontic treatments, dental surgery like wisdom tooth removal, and cosmetic dentistry such as the use of dental crowns, bridges, or dentures. If you or your family have been advised by your dentist that these procedures may be a necessity, you may want to think about getting this type of dental health insurance.
What other things should I consider about dental health insurance?
Not all health insurance policies are the same. Here are some points you need to ponder over when choosing the most appropriate dental health insurance for you.
What are your dental needs? This question is necessary so that you can be sure that your dental health insurance covers most of the dental procedures you need.
What is your dental health insurance’s benefit limit? Some dental insurance coverages have annual limits where a certain amount is allocated per year. For example, your dental insurance covers $1000 worth of dental procedures yearly; payment for any exceeding amount is your responsibility. This benefit limit can also apply per procedure. So, if your insurance covers $100 for oral prophylaxis and the amount to be paid is $110, you have an out-of-pocket fee of $10. Remember that these limits vary per health insurance provider. Make it a point to inquire about them during early discussions with your potential insurance providers.
Is there complete coverage in dental health insurance? Yes. Some health insurance companies have what they call a ‘no gap dental policy,’ where they cover basic dental procedure costs free of charge. These dental procedures are mostly considered preventative measures and treatments like teeth cleaning, x-ray imaging, and fluoride treatments. Inquire from your insurance company if they offer this benefit.
Caring for our dental and oral health should not be a luxury but a necessity. Now that dental health insurance options are readily available, it is easier for us to take care of our teeth. Let us take advantage of these financial benefits and make the most of our insurance coverage to ensure the health and maintenance of our smile.