Dental insurance: ins and outs
Dentist services may be needed at the most unexpected moment. And it’s good if the insurance policy is issued. The insurance company will cover the costs of providing emergency dental care. It can help with trauma or acute inflammation of the tooth and surrounding tissues. However, expenses are covered within strictly defined limits. That is why dental insurance is necessary for those who care for their health.
Arguments to have dental insurance
On the one hand, thousands of people live in the United States without dental insurance. On the other hand, a healthy lifestyle and taking care of one’s own health is becoming a kind of trend. Therefore, the number of people who want to ensure their teeth is increasing day by day.
If you know that not everything is going smoothly with your teeth, it is better to purchase a dental insurance policy. In particular, it is worth spending money if:
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- you have bad heredity in terms of teeth;
- you have already had prosthetics;
- you occasionally have minor gum inflammation or discomfort in the mouth;
- you have worn or are wearing braces;
What dental insurance covers
There are minor differences in dental insurance programs offered by different insurance companies. Nevertheless, before taking out a policy, it is advisable to compare the offers of reliable insurers in order to choose the most appropriate option for reimbursing expenses.
Standard ‘dental insurance package’ includes:
- pain relief treatment of the tooth, gums after trauma (first aid measures);
- filling of a tooth in case of an acute inflammatory process (elimination of the focus of infection);
- anti-inflammatory drugs;
- X-ray examination;
- removal of a diseased tooth according to indications;
The emergency package does not include tooth restoration, installation of light-composite fillings, treatment of gingivitis, periodontitis. Insurers also do not allow clients to increase the dentistry risk limit.
It is no coincidence that companies focus the attention of policy buyers that emergency assistance (within the limits of insurance) is applied to natural teeth. Treatment for acute inflammation in the crown or implant area is not covered by insurance.
How American dental insurance works
Dental insurance in the United States is not valid immediately, but after 1 year, after its registration. It is worth noting that many insurance companies and insurance brokers classify health insurance as an unprofitable service. After all, you will have to pay for this service for a long time, and as a result, you will need it in a few years. This is probably why many immigrants periodically go to their homeland and have their teeth treated there. In principle, this is also beneficial. Also, it is worth noting that if you nevertheless bought dental insurance, then it does not cover the full amount of treatment, but only a small part. When visiting a doctor in the United States, he recalculates. Then you only need to pay the difference.
Instruction for the use of a dental insurance policy
If you have a toothache, call the assistance company immediately. Usually, the numbers are indicated on the policy. You will be told which clinic you should go to for help, how to get there, and what documents will be required at the medical institution. You must have a copy of your dental insurance policy and your passport, of course.
Remember that the sum insured may not be enough to carry out a full-fledged treatment. Therefore, take care of the availability of additional finances in advance. Ask for all documents related to assistance.
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