Dental Insurance For Individuals

dental insuranceWhen it comes to the dental insurance industry there is a whole range of varying insurance policies. There are a few things you will need to consider when signing up for your insurance plan, including the following:

Your Age: Dental insurance may take into account your age. Although you do not need a dental check-up before you can take out an insurance policy, you may find that your monthly insurance premium is slightly higher if you are above a certain age, for example 50. If you are under 18 then you will not be eligible for dental insurance since you are covered for free under NHS guidelines. However, children can still get insurance cover if they need to be treated at a private practice and are often included under special family insurance plans.

Your Excess: Like other insurance policies, dental insurance can often come with an excess that you will be liable to pay before you are paid any money for dental work. This will depend on your policy. If you are paying a higher monthly premium then you may not have to pay an excess charge, though it’s important to check your policy wording carefully. An example of this kind of policy could be that you must pay the first 25% on each treatment, or it could also be a fixed sum.

Existing Problems: If, at the time of signing up to your dental insurance plan, you already have an existing dental problem that requires treatment or ongoing treatment you may find that you are not eligible to receive payment. It is important to check with each individual policy, and also to check whether subsequent treatments for the same problem in the future will be covered.

Checkups: Some dental insurance plans do not pay you for checkups. This means that you will not be eligible to claim any money back on your regular six-monthly or yearly standard visits to the dentist. Again, this varies from provider to provider.

When You First Join: If you have not been a member of the insurance policy for long then you may not be eligible for full benefits. For example, you may not be eligible for cover against accidents during the first month, or treatments including oral cancer. This period of time may also be known as a ‘qualifying period’.

How Many Treatments Do You Require Each Year? Many policies will place limits on the number of treatments that they will pay out for each year. For example, you could be limited to two check-ups alongside other treatments which could include four fillings or similar. This will also need to be combined with the fact that there will be a cash limit on yearly treatments, for example they can only add up to a maximum of £450.

Cosmetic Treatments: Cosmetic treatments may not be eligible for insurance payments due to the fact that they are not deemed necessary for your health. However, they may still be eligible if they are recommended as part of an NHS course of care.

Almost anyone is eligible for dental insurance due to the fact that there is no required teeth check before signing up, and that most people will have to pay NHS fees that insurance can reimburse for.

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