If you have ever taken an insurance premium before, you know that depending on the policy, the amount of coverage you get varies, the same also holds for a dental insurance policy. However, I am going to give you a few pointers as to what is covered in the premium and what is not. For example, any cosmetic dentistry that is done for the sake of appearance is not usually covered in the insurance. This means that any form of dental procedure that is done for its aesthetic appeal and not for its health implication is not often covered in the insurance.
Here are some of the cosmetic procedures that will not be covered by your insurance company:
- Take tooth whitening for instance: Tooth whitening is something that only has to do with the appearance of your teeth – the whitening – and has not noticeable health implication. Hence, it will not be covered in the insurance.
- If you are having implants that have little to do with dental care and more to do with your appearance and comfort, your insurance company might draw a line, and you might find yourself facing the cost music.
- Fitting of porcelain veneers in your teeth are also something that might be paid exclusively by you. You might push a few buttons however and recoup the cash for the defective cosmetic dental work, but try as you may, you will never recover that for the original work.
- If you are going for the normal, basic braces, you have your insurance company’s backing. However, if you decide to delve a bit and go for something more “hip”, you might find the cash coming from your own pockets!
- Your insurance company may or may not decide to take care of the cost of a tooth bond – when and if you decide to have one.
- Getting amalgam fillings for your hollow tooth will be no problem with your insurance company. However, if you want to be a bit more “extravagant” and go for the white, more appealing fillings, then you are basically on your own to paddle to safety!
- If your insurance company is convinced you need a crown so badly, it might concede and then agree to the use of porcelain fused with a metal crown to do the job. I will do the job all right, but the aftermath always has this fake feel to it. However if you want to go for something that looks more natural, you will then have to shoulder the additional cost.
I am just giving you a guide on the things your insurance company will pay for and what they will not. That is why when you are getting your insurance, you should work out how much you gaining and what is being covered and what’s not, so you don’t end up with the short end of the rope.
Just be careful in your dealings with your insurance company.