Does my Medical Expense Insurance cover the Dentist?
Some insurance companies can specialize in health, so they come to offer, as one of their benefits of the Major Medical Expenses policy, coverage for the dentist that regularly has to qualify as a preventive care service, depending on of the type of insurance plan and the insurance company, with which this type of guarantee may be included in the premium or that may be incorporated into the policy individually for an additional amount, for which some of the insurance institutions insurance that consider it in their coverage of Major Medical Expenses.
One of the benefits that can be benefits where the insurers with your Major Medical Expenses insurance is dentistry, with a dental protection of your medical expenses insurance where the main benefit is with the objective that it can offer you a consultation with the dentist, in addition, these companies can handle as an insurer, which means that by receiving specialized care with a professional dentist, at reasonable prices or often with some type of discount.
The treatments to which you may be subject are different depending on the institution or insurance company with which you have made the policy contract, however the most common are:
- Review or complete evaluation of your dental health.
- Dental cleaning or prophylaxis for adults or with a dentist for children.
- Panoramic radiography.
- Periapical radiographs.
- Complete periodontal consultation, which is usually applied to patients with periodontal problems with periodontal pockets of 5 mm or more and scaling and/or planing per quadrant.
- Tartar treatment.
- Simple extraction 1 per tooth.
- Endodontics, root canal therapy or retreatment Apexification and requalification.
- Retrograde root filling.
- Apicalectomy and periradicular surgery in anterior teeth, premolars or molars.
- Root amputation.
- Therapeutic pulpotomy.
What does my insurance with the Dentist not cover?
Like most insurance companies and your type of coverage, the dental type will also have certain recurring limitations in all companies, this means that the insurance companies will not be responsible or will not make the policies valid in the following situations:
- Treatments or procedures that require special attention due to bone malformations or the lack of development of dental enamel.
- Treatments that are required due to erosion, wear, abrasion or the like that cannot be derived from an accident or any apparent injury.
- Aesthetic surgical procedures aimed at plastic restoration and improvement of the policy beneficiary.
- Services that are not within the term of the contract.
- Periodontal splinting, occlusion balance.
- Gnathology: study of the chewing forces and the anatomical parts involved.
- Treatments that are associated with or derived from extraoral grafts, tissue grafts on the outside of the mouth.
- Control programs for prevention such as oral hygiene instructions, fissure sealants or fluoride application.
- Myofunctional therapy, this means that they go in function and development of the facial and oral muscles.
- Diagnosis or treatment for temporomandibular joint dysfunction or other tissues.
- Implants in or on soft tissue or bone.
- Benefit services not included in the dentist plan.
- Orthodontic treatment.
- Expenses derived from acts of war, vandalism or malicious intent.
- It is timely that we clarify that according to your insurance company that dental coverage up to an insured amount, if any of the treatments exceed the type of amount, where the insured must pay pay on their own.
What type of insurance should I take out to go to the dentist?
Dental health insurance is as important as any other aspect of our body and physical well-being, in addition to that in many cases it is a personal matter because it is left or neglected because it is not considered important or necessary; however, many of the oral problems can lead to gastrointestinal diseases with a prevention and correction program for the problems that supports when a major dental intervention is necessary.
In the Personal Accident and Major Medical Expenses insurance plans, it is possible to regularly include a prevention program and, in certain cases, correction of dental problems. The benefits of this guarantee can be with a single consultation or with a dental study that is carried out with the interested party since they must cover the copayment and sometimes a deductible so that the insurance company can validate it with their insurance plan sure.
These insurance plans for Personal Accidents and Major Medical Expenses can be included, usually a prevention and correction program for dental problems. The benefits of this guarantee may be a single individual, with a family or a community; Therefore, it should be noted that for each consultation or dental studies that are carried out with the interested party, it must be covered with a copayment and, on certain occasions, with a deductible so that the insurance company can assert them with its insurance plan and coverage.
Most insurance companies can offer you a plan that includes their medical policy for those who have a wide range of specialists in stomatology and dentistry, but if not, they can have dentist network agreements that support in such cases.
