Medicare - Malo Clinic

Dental Insurance

Obtain the Most Advantageous Dental Insurance with Our Tips

Getting the right dental insurance can seem like a daunting task, especially when you consider the fact that most dental procedures will not be covered by Medicare. If you have been curious about the different types of dental insurance, and have been looking for the best insurance package for you, be sure to read our information below!

Do I Have to Get a Special Dental Insurance Package?

Many people do not realise that they do not necessarily have to obtain a separate dental insurance package with their health insurer, because good dental coverage can fall under your general health insurance plan.

Dental coverage can be included in your health insurance plan as an extra, although it can also fall under your basic coverage. Before you obtain a package, it is a good idea to see if your dental insurance is classified as an extra and evaluate your annual limits.

Most basic dental treatments will be covered by your private health insurance plan. Basic dental treatments usually include check-ups and teeth cleaning. Depending on your insurance agent, covered dental treatments may vary.

What Are the Different Types of Dental Coverage?

Depending on the insurance agent, dental coverage can fall under a number of categories. However, the most common categories for dental coverage are general dental coverage and major dental coverage. Each type of coverage covers specific procedures, so it is essential to check the policy before you acquire dental coverage.

General dental coverage is one of the most used dental insurance plans. A general dental coverage plan will provide patients with coverage for their check-ups, teeth cleaning procedures, fluoride treatments, minor fillings and preventative dental work. Even though these treatments may vary according to the insurance agent you go with, the majority of insurance agents will include these treatments under their general dental coverage.

Major dental coverage is probably the most valuable dental coverage for patients, considering this type of coverage will cover major dental treatments. Major dental treatments usually include complex fillings, complex tooth extractions, crowns, bridges and orthodontics.

Which Dental Coverage Plan Should I Choose?

Choosing your dental coverage will depend on a number of denominators, including your age and the general health of your teeth. Let us take a closer look at some of the denominators that can influence your choice.

Young individuals are less likely to need major dental coverage, considering the fact that their teeth are usually in good health. Spending additional money on a major dental coverage plan is therefore not needed. However, these individuals can benefit from a general dental coverage plan, so they are covered for their annual check-ups and x-rays.

Individuals with poor dental health will be better off with a major dental coverage plan, since they are more likely to need a major dental procedure in the future. However, families can also benefit more from a major dental coverage plan, given the fact that their children may need orthodontics or emergency dental care due to an accident.

Still, the most important denominator with regard to your dental insurance lies with your finances. You may come across dental insurance packages that are absolutely perfect, until you take a look at the monthly cost. To save money and avoid paying for extras you do not need, it is essential to pick the right extras and set the right annual limit, so you will only pay for what you really need.

Can I Get a Good Dental Insurance Package for Dental Implants?

Dental insurance for dental implants is a possibility, although not all insurance agents will provide you with this kind of insurance. Dental implants are in a category of their own, so they are usually not covered by the major dental insurance plan.

When you want coverage for your dental implants, you will have to look for dental implants on your extras. Considering the cost of dental implants, it is almost impossible to recuperate all your money for your procedure through dental insurance. However, good dental insurance for dental implants can save you a considerable amount of money.

What Other Things Do I Take into Account?

Patients who are looking for the right dental insurance should always check their annual limits. The annual limits will restrict the amount of money you can claim on your extras. If you have coverage for dental implants in your extras, then you will need to check how much you will be able to claim for your procedure.

Once you have acquired dental insurance, you will also have to check the waiting period. When you want to have a dental procedure done, you may have to wait anywhere between two to twelve months, depending on the type of procedure you are having done. Most general and preventative procedures usually have a waiting period of two months, while major dental procedures are accompanied by a waiting period of twelve months. Another thing to take into account is varying waiting periods for different areas. For example, if you live in Sydney, you may have a different waiting period for certain procedures than a patient living in Melbourne.

Patients should also look at their out-of-pocket expenses. Even when you have a good dental insurance plan, the chances of a patient not having any out-of- pocket for a procedure is highly unlikely. In order to determine the amount of out-of-pocket expenses, it is a good idea to select five treatments that are covered under your health insurance plan. Contact five different health insurers and request an overview of the out-of-pocket expenses for those five treatments. Based on your findings, you will be able to make an informed decision and find the health insurer with the best coverage.

Last but not least, patients should definitely look for a health insurer who provides no gap benefits. No gap benefits will ensure that the patient will not have to deal with out-of-pocket expenses for certain procedures. These procedures usually fall under the general dental coverage category, for example plaque removal, cleaning, x-rays and check-ups. Even though most health insurers offer these no gap benefits, it is always better to check to make sure.

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