Dental Insurance

What are dental insurance plans ?

Most standard health insurance policies and plans exclude completely all types of health-related work that is deemed to be either dental or vision specific.

There are some policies that will have it as a completely separate section, but on the whole insurance companies require an individual to take out a specific dental insurance plan, that may or may not include benefits related to vision specific issues.

One of the reasons this is important, is because dental insurance plans are by their very nature very specific in terms of what is and is not included in the schedule of benefits.

There are also very time specific conditions included in the policy, which can have a major impact on what may or may not be claimed under the terms of the policy.

Many dental insurance plans will provide some benefits for emergency pain relief in the event of a patient needing such emergency work, but will exclude the cost of the cause of the pain.

There will be very kind specific exclusions for virtually all types of dental work, especially those relating to dentures, bridges, crowns,’s or other dental work, extraction of teeth or treatment to teeth or gums.

In addition, the dental insurance plan is likely to exclude dental implants with the possible exception of when they are needed for some type of reconstructive surgery.

The nature of dental insurance plans is that the insurance company recognises that the cost of dental work can escalate very quickly, and as such spells out they specifically the levels of benefit that apply, and when they apply with affray specific exclusions.

Dental Insurance Plans

In addition, the insurance company will have very clear benefit and exclusion schedules for which prescription drugs can be used, and whether or not a brand name or generic name is allowable.

In addition, if the dental insurance plan includes any type of benefits for vision care, then the policy will spell out specifically which services are included or not. This can include eye exercises including orthoptics, eyeglasses, contact lenses, routine eye examinations and routine eye refractions.

The dental insurance plan is likely to exclude any eye surgical operations that are for the benefit of correcting defects of the eye such as nearsightedness or farsightedness.

These areas of health that relate to dental and vision care are often thought of as health prevention or health promotion areas, and as such are areas of health at an individual needs to take care of themselves in many ways.

The danger of not doing so that an individual can find they have serious dental or vision health problems that are not covered financially or by time conditions under their dental insurance plans. It is important that an individual understands this, and takes corrective action wherever they can.