Keeping up with your insurance bills could be really draining. At some point in this process, you probably asked yourself, “Does medical cover dental treatments as well?” Most people are not aware that you can in fact get medical insurance that can also cover dental treatments. However, keep in mind that this is very rare. If you are in need of excellent dental services, this clinic in Sunbury provides personalized care.
Coverage Of Medical Insurance
Most medical health insurance can cover a wide range of health services, yes, including dental treatments. But how will you know if your medical insurance can be used for dental treatments? The best way to know is to ask your health insurance provider.
Health insurance providers are quite selective when it comes to the coverage of their offered policies. And that is understandable. For example they might cover your nose surgery but not if it for esthetic reasons.
If you are going to think it through, combining dental care and medical care in one insurance policy can potentially cause confusion to the administrative offices and a jam on the access to dental care services. This is most likely the reason why a huge number of medical health insurance do not cover dental treatments.
Insurance providers would much likely prefer if policyholders will get separate health insurance and dental insurance for a very simple reason. The risks and complications of dental issues are radically different compared to overall health problems. In comparison, dental health issues are not life-threatening and can basically wait for treatments, while the risks that most health insurance can cover are commonly lethal and dangerous.
While this may be true in many cases, the rate of emergency patients that has conditions related to dental problems is rapidly growing over the years.
Separating Dental Insurance from Medical
For starters, dental treatments and procedures in most countries are not properly modulated. Dental clinics basically have their own rates for each of their services and the amount truly varies. Imagine the huge loss of medical health insurance companies if they cover dental treatments for everyone.
In short, if dental treatments are included in medical health insurance, the price of medical premiums will increase, and if it gets higher, medical plans will no longer be attractive to consumers. Hence, lower policyholders, fewer people prepared for accidents, and a higher chance of people getting bankrupt over emergency matters. As you can see, it has a domino effect that can even potentially affect the economy.
Why Do You Need Dental Insurance
Our dental health is an important factor that greatly contributes to our general health. Ensuring that our family’s dental condition is in great shape means having to visit the dentist regularly for checkups and preventative care treatments.
Nevertheless, dental consultations, treatments, and procedures could be quite costly most especially if you are paying for the whole family. Sometimes, your dentist will even recommend a specific treatment that’s out of your budget. That is when dental insurance is mostly needed.
Separate dental insurance can cover a wide range of dental services that you and your family substantially need. Just make sure that the premium that you will get has the following benefits:
- A competitive HMO network. It should be able to provide you with a variety of dental clinics in case you need to move from one place to another. Dental insurance with a weak HMO connection to dental care providers cannot relatively support you most especially in emergency matters.
- Worth every penny. If money is not a problem then you may opt for an expensive premium with comprehensive benefits that can cover the whole family. It may not be as affordable as others but at least you will be more at ease knowing that in case of dental emergencies, you will be well provided for.
- It can cover almost all dental services. Your premium should be able to cover all of your dental expenses from comprehensive oral examination up to dental surgeries. If not, it should at least be able to cover the expensive procedures.
Types of Dental Insurance
Just like medical health insurance, dental insurance can also be divided into two categories. Group dental insurance and individual dental insurance.
A dental plan for a group is usually cheaper and is often purchased by companies that aim to provide health benefits for their employees. It is comparatively less expensive than individual plans because most of the services that it can cover are basic dental services only.
Individual dental insurance on the other hand is more high-priced because you can personalize your plan according to your needs. You can make adjustments to it and oftentimes, it can be shared with immediate family members.