Do I need medical insurance for dental treatment and how profitable is it?

Dental care is expensive all over the world. When purchasing a medical policy, it makes sense to consider how beneficial it is to include dental care in it. The cost of such insurance products can vary significantly even in the same company, but it always significantly increases the overall price of the policy. In many ways, it depends on the medical institution with which the insurer cooperates. The editors of estet-portal.com offer to figure out whether you need medical insurance or whether it is more profitable to pay dentists as problems arise.

• List of free dental services under insurance policy
• Is need health insurance or is it better to pay for specific services
• The main thing about dental treatment under insurance policy

List of Free Dental Services Under  Insurance Policy

There are three options for dental treatment: going to municipal health facilities, private dental clinics, or getting insurance services. The policy is usually beneficial to people without a stable income, as well as to those who have temporary financial difficulties. It allows you not to overpay private dentists for inexpensive services: treatment of caries in the initial stage or simple fillings.

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By including dentistry in your medical policy, you can get the following services free of charge:

• Examination. This can be an appointment in the office or calling a doctor to home if the patient, due to objective reasons, is unable to come to the clinic.

• Treatment. The list of diseases treated under insurance usually includes caries, gingivitis, periodontal disease.

• Cleaning teeth from tartar and solving problems with salivation. The doctor manually removes tartar, plaque, treats inflammation that provokes excessive saliva or dryness.

• Surgical services.

  Insurance covers extraction of teeth, surgery to treat inflammation, purulent processes.

  Removal of foreign bodies, treatment of injuries
(dislocations) of the jaws.

• Diagnostic and certain physiotherapy procedures.

• Read also: 10 signs you need an orthodontist

In dentistry, consumables and tools play a decisive role. This is also taken into account. For dental treatment under insurance, silicate, phosphate, glass ionomer fillings are used. The policy also covers the cost of  antiseptics, home-made painkillers, dressings, equipment and x-ray film.

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Is need health insurance or is it better to pay for specific services A big fly in the ointment in a barrel of honey: although the list of free services is extensive, it is far from everything. The insurance does not cover the costs of preventing dental diseases, restoring broken crowns, professional teeth cleaning using modern expensive technologies. You will also have to pay extra if you want imported drugs to be used for anesthesia. If you decide to purchase an individual policy, pay attention to company. Signs of a reliable insurer:

The company has been on the market for a long time and deserved a good reputation.

The insurer is financially stable, as evidenced by a large authorized capital.
The company takes part in the work of professional associations.
The cost of policies is affordable, and the list of insurance products is extensive.
Whether medical insurance is needed, everyone decides for himself. It is important to remember that the policy covers mostly simple services.

• The most expensive procedures cannot be obtained through insurance.

If you need to restore the dentition, implant an artificial tooth or perform a restoration of the form, this must be paid separately. In addition, you will have to accept that only certain medical institutions provide services. A list of their addresses will be provided to you.

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The main thing about dental treatment under insurance policy Dental treatment under insurance is convenient if you apply for emergency care: in case of acute pain or inflammation. Corporate policies are almost always profitable. If you decide to purchase personal insurance, follow these rules:

Make sure the insurance product can help you.

Conclude a contract only with a reliable company that has been on the market for a long time.
Read the contract carefully, even if you are 100% sure of the integrity of the insurer.
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The main advantage of insurance: you can be sure that if you need to urgently contact a dentist, you will be promptly assisted. The quality of services is controlled by the insurer. Confidence — this is already a lot, and financial benefit is questionable. Read also: How to fix an overbite: modern methods of orthodontic treatment

You might be interested in: How to place a filling.