Know your dental facts before making decisions

Personal Dental Insurance: Things it Will and Won’t Cover

If you're interested in personal dental insurance, you should certainly know what it will and won't cover.



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Keeping teeth in good condition takes work, and this includes both home care through brushing and flossing, as well as checkups and treatment by a dentist for any problems that may arise. While visiting the dentist can potentially be expensive, there are ways to control the costs involved, with personal dental insurance being an option to consider. This can help when paying for a range of treatments, although with most dental insurance policies there are typically things that it will and won’t pay for.

Checkups and Preventative Care

Most people will have dental check-ups at regular intervals and this will typically be around every 6 months or so, although it can vary depending on the dentist used. Personal dental insurance will typically include for the cost of this, and will also include for the cost of preventative care such as cleaning and polishing procedures to remove plaque ad other debris. Depending on the insurance policy used, the percentage covered can range from 50% to 100% of the cost. Typically there is no waiting period for these costs to be covered and they can typically be claimed for straight away.

Basic Dental Treatment

Basic dental treatment can include procedures such as fillings, simple tooth extractions, basic tooth restoration work, root canals and a range of other procedures. This type of work is generally covered by dental insurance, with most companies that offer personal dental insurance having a list of the work that is typically covered. It is unlikely that 100% of the cost will be covered for this type of dental work and most insurance policies will likely offer somewhere in the range of 50% to 80% depending on the procedure. Most companies will place a waiting period on claiming for these types of treatments to stop people signing up to an insurance policy and immediately claiming on it without having to pay premiums. Generally a waiting period of up to 6 months will be required.

Major Dental Treatment

Major Dental Treatment can include a range of procedures such as the placement of crowns and bridges, dentures or periodontic procedures. These tend to be more expensive treatments and, while in most cases they are covered by personal dental insurance, the percentage of the cost covered will typically be around the 50% mark. Again insurance companies will typically place a waiting period on claiming for this type of treatment and in some cases this can be up to 18 months.

Cosmetic Dental Work

Cosmetic dental work typically includes procedures such as teeth whitening, braces, veneers and other such work which is aimed at improving the look of the teeth as opposed to treatment to repair dental problems and diseases. In most cases standard personal dental insurance will not cover the cost of cosmetic dental work, although there are some companies that provide insurance or dental plan products aimed specifically at this. However, these are typically stand-alone products and standard dental insurance generally does not cover the cost of cosmetic dental treatments.

Considerations

As is usually the case with any health insurance, to find the best deal on personal dental insurance it is best to shop around. There are a number of companies that offer it and no two deals are generally alike, with the actual terms of a dental insurance policy depending on a number of factors including premiums paid, deductibles, maximum annual coverage, location and company. Before signing up to any dental insurance always check what is being offered in terms of the treatments included, the percentage of the cost covered and the waiting period to claim. This will ensure that you are fully aware of what can and cannot be claimed, and can be sure that this will suit your needs in terms of dental care.

Most people will typically find over time that they require a range of dental work performed by a dentist. Whether this is simply regular check-ups and preventative work or more extensive treatment, personal dental insurance is something to consider. It can help reduce the cost of dental care, and checking the terms of a policy thoroughly to find out what is and is not covered is a sensible move to ensure that it will serve your dental needs.

 

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