Adding dental insurance to your health insurance is a good idea as it keeps your budget and smile in the best condition. When you do this, you will have a deductible that you have to meet before the insurance coverage kicks in.
Most of the dental insurance plans on the market cover between 20% to 80% of your dental bill. This means that if you have a deductible of £250 and your insurance covers 75%, the insurance policy will cover 75% of the balance of the dental bill after you have paid £250.
Is It Worth Getting Dental Insurance?
Before you get any additional insurance, carefully read the plan to find out what is going to be covered. You also need to check what the deductible is. This is important because you are responsible for paying the deductible out of pocket and it needs to be affordable.
To determine if dental coverage is worthwhile, you need to keep in mind that dental procedures are covered on tiered scales. Preventative coverage will generally come with 100% coverage. This care includes x-rays, routine cleanings and other general dental visits. The next coverage level is basic procedures such as root canals, fillings, and extractions. Most insurance policies will cover a percentage of the bill after you have paid the deductible.
The last coverage level is the major dental work such as bridges, dentures, and crowns. With these procedures, dental insurance will usually cover a smaller percentage. This means that you will need to cover the bulk of these bills.
How to Use Dental Insurance?
As with health insurance, dental insurance will have a list of in and out of network dentists. If you stay within this network, the costs will be lower because the insurance company will cover more. If you are out of the network, you generally have to pay more. It is important to note that some dentists are willing to work with you regarding this, particularly if you are already their patient. If you have found a dentist you trust and are happy with, it might be worth paying a bit more to continue seeing them.
After you see the dentist, you might have to pay for the work at the office and be reimbursed by your insurance, but this depends on the dentist and the insurance. If this is the case, you have to be prepared to pay when you see the dentist.
Many insurance companies need pre-approval for any dental work that is not a check-up. In these cases, you need to ask your dentist to submit the claims for you in advance and take the time to verify before your appointment. If you need an emergency procedure, you need to call the insurance company and wait for the approval. When you take the time to get approval, you can save a lot of time and hassle in the future.
Dental practices have different ways of classifying basic, preventative, and major procedures. This will influence the amount you need to pay out of pocket. Having all of this information before you have dental work done is vital.
Where Can You Get Dental Insurance
It is possible to get dental insurance through your employer or you can purchase a policy on your own. If you are self-employed, you can consider self-insurance where you save an amount each month to pay for the dental work you need.
You can also look for companies such as The Dental Practice Fleet to see what they can offer you.
Are There Alternatives?
Instead of getting dental insurance, you could look at a dental discount card. It is important that you weigh both of these options before you make any final decisions.
Regardless of the choice you make, you need to budget for dental insurance or the cost of dental care. If you get cavities, it is important that you have regular cleaning and take care of your teeth. This does require more upfront costs, but will be able to save you in the long-term.