We all know that dental procedures, whether preventative, restorative, or cosmetic in nature, are all expensive. Australia may be one of the countries having the highest cost of dental services in the world. That is why having dental health insurance nowadays is already a necessity. Let us find out about one of the components most dental health insurances offer, the no gap dental policy.
No gap dental: What is dental health insurance for?
Visits to the dentist tend to be costly, that is why most of us have poorly maintained dental health. In fact, according to the Australian Institute of Health and Welfare (AIHW) 55% of 6-year-old children and 48% of 12-year-old teens have had tooth decay either on their baby or permanent teeth. Having an insurance policy to help you shoulder your dental expenses can make your dental maintenance feasible and easy on the budget.
No gap dental: What is a gap?
Having dental health insurance is quite useful in helping you make your dental expenses convenient and affordable. What makes it more hassle-free is if your insurance has a no gap dental policy. But what is a gap in the first place? A gap is that annoying out-of-pocket fee you need to pay when your insurance policy paid for its covered amount per procedure. So, if your insurance policy answers $70 for a scaling procedure worth $100, the remaining $30 is the gap and should be shouldered by you.
Having a no gap dental policy as part of your dental health insurance means that you will no longer pay any out-of-pocket fees for a procedure as your insurance will cover all the cost!
No gap dental: What procedures are covered?
Different dental health insurance providers offer different procedures covered by the no gap dental policy. But the most common procedures that may be part of this extras policy are the following:
- Dental check-ups or consultations
- Scaling and cleaning
- Minor dental fillings
- Fluoride application and treatment
- Diagnostic imaging (x-rays)
- Mouthguards for preventative use in sports
Some dental insurance companies, like AHM Health Insurance, also cover routine dental services like simple tooth extractions but are subject to your insurance’s annual limits.
No gap dental: Other considerations
Of course, there are other things you need to think about when getting the best dental health insurance to cover your needs. Here are some things you should know about health insurance policies.
Annual limits. This component of an insurance coverage is the total amount that your dental insurance would pay for a year. The higher the annual limit, the better.
Benefit limit. This component is the amount the insurance provider pays for a specific procedure. Each time you undergo a procedure, the amount your insurance shoulders get accumulated to the annual limit.
Type of coverage. There are two main dental coverage types. General dental covers most basic dental procedures as mentioned above. Major dental usually covers more expensive dental procedures that need surgery or emergency treatment. It can also shoulder orthodontic (dental braces) or restorative (crowns, bridges, dentures) procedures. Know what dental needs you have so you can choose a more suitable dental coverage type.
Waiting period. As the name implies, this is the amount of time you need to wait before you can use your dental insurance. This period is set by the insurance companies to limit people from abusing the services and get health insurance even before paying for the monthly premiums. General dental coverage lets you wait for two months or less; sometimes it is even waived for minor procedures and consultations. On the other hand, because major dental procedures are more expensive, expect a waiting period or 6-12 months before having your procedure covered.
With this information in mind, we hope that it would be easier for you to choose the best dental health insurance provider who can help you maintain your healthy smile.