Our teeth are very important to our overall health and we must take good care of them. Tooth problems can and will occur if we neglect to visit the dentist at least on a yearly basis for check-ups. While a general check-up does not dent your wallet, getting treatment or work done on your teeth could be expensive. You could get your dental treatment subsidized or even free through the NHS; but if there is any major work to be done on your teeth, you would be better off if you have dental insurance.
Cost of Dental Treatment
The heads under which you need to pay include check-up and cleaning. These tasks are usually reasonably priced and will be charged on each visit. Filling of cavities and root canal treatment will be chargeable as per the extent of work needed. Any work involving crowns, dentures, or bridges will cost you accordingly.
What Does Dental Insurance Offer?
Dental insurance covers routine check-ups, dental work, dental accidents, and emergencies. However, cosmetic dental work is generally not covered by dental insurance. Dental insurance policies have an age range that generally starts from the age of 18 years upwards. Most policies allow you to claim for dental work other than check-ups and cleaning, only after a period of one to three months after purchasing the policy. Another point to remember is that if you have not visited a dentist in the past twelve months preceding the date of purchase of the policy, you might not be reimbursed for treatment identified during the first check-up post purchasing the policy. Most policies cover work done at either a private clinic or at an NHS practice. Dental policies have an annual limit, which depends on the type of policy taken. The general procedure is that you pay the dentist, make a claim and are reimbursed by the insurance company.
What do Dental Insurance Policies Cost?
Depending on the type of dental insurance coverage taken, the features would vary accordingly. The cost will depend on the type of policy. Read about the different types of dental insurance policies on dencover.com, including all the terms and conditions for each. Premium amounts for different insurance policies will differ based on the benefit limit and percentage of treatment cost that the policy offers.
Is a Dental Insurance Policy Value for Money?
You may not visit a garage or mechanic for the entire year, and yet you do take a car insurance policy. The same is true for a dental insurance policy. Any major treatment and you can be sure that the policy will provide value for money. You will be paid back a percentage of your treatment cost that will depend on the type of policy taken. Using an NHS dentist could get you a 100% reimbursement of the cost of treatment.
The Bottom Line
The cost of dental treatment can be expensive. Paying for it from your pocket will make a big dent in your savings. Buying a dental insurance policy will pay you in the long run.
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