How to treat teeth in different countries
Now to treat teeth is an expensive pleasure. It is impossible to even imagine the difficulties people experience when treating teeth without special insurance. Fortunately, in many countries, there is an opportunity to acquire insurance policies to cover dental services. Dental plans vary depending on the country, as well as the insurance system as a whole.
Dental plans in Germany
For the treatment of teeth, there is mandatory health insurance here, but hospital cash desks reimburse expenses only on the main types of medical testimony treatment, and the most necessary, that is, cheaper, materials. For services related to aesthetics or comfort, the patient has to pay for himself. Private insurance companies have a spectrum of services with a reimbursable cost. But, more than 70 million inhabitants of the country are insured in the hospital cash desks. 25 million also has an additional, most often the “dental” insurance, though. But, let us consider the cost of dentist services on the example of most patients.
Free services for insured customers:
- removal of caries;
- treatment of root canals;
- dental removal;
- local anesthesia.
Dental plans for stopping require more detailed analysis. According to the dental plans of mandatory medical insurance, you will have a sealant from amalgam or more aesthetic composite materials, if we are talking about the front teeth. If there is an allergy to amalgam, insurance also pays it.
Dental plans in the US
In the United States, there is its own approach to the treatment of teeth. Unlike many diseases, the disease of the teeth is not treated without therapeutic intervention; it is chronic, progressive, and destructive, becoming more and more severe.
Most dental diseases can be avoided by preventive measures at minimum cost and effort. Consequently, dental plans should always be focused on prevention.
As a rule, dental diseases progress slowly. For this reason, dental treatment may be delayed in the asymptomatic accumulation of problems for a considerable time. Teeth disease begins in early childhood. Therefore, the inclusion of children into the volume of dental plans is very important from the point of view of the timing of the satisfactory state of the oral cavity.
Dental plans with discounts
Such dental plans are not insurance plans:
- they do not provide dental service;
- there are no lists of benefits;
- no payment for suppliers for services rendered;
- no responsibility for the quality of service.
The discount dental plans propose a list of dental service providers who agree to provide them at a reduced rate. Patients pay all dental expenses from their own funds, taking 100% risk. For example, in California, discount dental plans are not regulated by state legislation.
Group dental plans
A group of employers buys and maintains the existence of insurance coverage for its employees. Insurance premium contributions are paid by the employer, and the employees may require partially or fully pay the coating with the help of deductions from income before taxes. The employer may choose a plan with an insurance company with refinement in relation to:
- magnitude benefits;
- held amounts and surcharges;
- covered treatment;
- annual maximum.
Of course, many people say that dental diseases are easier to prevent than treat. However, here you need to take into account many factors. For example, a genetic factor plays a big role. If you have problems with your teeth, your children will also have a predisposition to the same problems.