Health insurance dental cover offers protection for unforeseen expenses relating to dental treatment. Dental cover also provides a way to budget for preventative as well as unexpected dental treatments.
Health insurance dental cover can mean specific dental insurance or the dental health aspect of a general health insurance policy, and the two are not the same.
Specific dental insurance covers dental check-ups, preventative dental work, dental treatment such as fillings, extractions, crowns and veneers, and orthodontic treatment depending on the level of cover you choose.
Some general health insurance policies include cover for dental treatment, usually either emergency dental work or by way of a contribution to dental visits and consultations.
Health cash plans also offer protection for expenses related to dental treatment, depending on the plan and level of cover.
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Who offers health insurance dental cover?
Specific dental insurance offers protection for dental treatment only. This form of dental insurance is provided by:
General health insurance that offers cover for dental treatment is also available. The cover provided for dental work is usually not generous and may also be subject to an outpatient excess. General health insurance is provided by:
Health cash plans can offer protection for expenses related to dental work. Health cash plans are provided by:
What is covered under dental cover?
Health insurance policies vary in the types and levels of cover they provide. Not all general health insurance policies offer cover for dental treatment. Some offer a contribution towards emergency dental treatment, and some policies offer a set contribution towards dental visits with yearly limits applied.
Health insurance dental cover generally reimburses you for treatments that you have already paid for.
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What does specific dental insurance cover?
Specific dental insurance is intended to provide cover for emergency and routine dental work, as well as basic and major dental treatments.
Basic dental treatments would include fillings, simple extractions, and treatment of gum disease for example. Major dental treatment would include crowns, root canal treatments, and dental implants and dentures.
Plans are provided at different levels with both providers, with more basic plans covering routine, emergency, and basic dental treatment and higher level plans covering major dental treatment, orthodontics, and an oral cancer benefit.
It is possible to buy plans for an individual, a family, or for a child independent of an adult.
Emergency overseas dental work is covered by dental insurance.
Dental insurance varies on whether they pay the dentist directly or whether you must be reimbursed for treatment that you have paid for.
How much does specific dental insurance cost?
The cost of dental insurance varies, depending on the level of cover you choose and your age.
Health Insurance Cash Plans for dental cover
Health cash plans provide some benefit towards dental treatment. Health cash plans can only reimburse you for treatments that you have already paid for.
How much do health cash plans cost?
How do I choose which dental cover is best?
It is important to consider various factors when choosing what insurance cover is best to protect you against unexpected dental expenses.
If your budget allows, specific dental insurance will enable you to plan for routine dental treatment and preventative treatments, as well as have cover in place should you, or a child, need orthodontic work or major dental treatments.
However, health insurance with cover for everyday expenses or a health cash plan will also offer some protection against unexpected dental expenses and will allow you flexibility if, for example, you need to spend more on dental treatment one year and more on another form of medical treatment another year. Specific dental insurance will only cover dental treatment.
Your choice will largely be determined by your budget but it is worth considering specific dental insurance if dental treatment and care of your teeth is a priority for you.
Get a quote for health insurance with dental cover today
With appropriate dental cover in place, you will have one less reason to dread dentist’s visits!
Whether you wish to budget for routine and preventative treatment or you would like some cash back on dentist’s visits, our insurance experts are available to discuss your dental and health insurance needs with you.
We can outline your options with you and advise you on dental cover that works for you and your budget.
