How to recognize a good dental insurance
There is still a great need for information on the subject of dental insurance. Anyone looking for supplementary dental insurance therefore does not have an easy time finding a suitable supplementary dental insurance policy.
It is like looking for the famous needle in a haystack. That is why we are now trying to shed some light on the subject.
Anyone who takes out supplementary dental insurance also wants to use it to afford high-quality dentures - when it counts.
But beware: an insurance for a few dollars that promises up to 100% performance, provides only a fraction of the costs in case of need - avoid such cheap offers. Because they promise a lot, but deliver little. In most cases, the benefits are only based on the costs of standard care. This means that you will not be paid for higher-quality dental prostheses.
What you should look out for in dental insurance
When comparing, you should pay attention to the small print - insurance companies like to try to limit their benefits through the back door - therefore, pay attention to the following points, for example.
Most important, of course, is the benefit for dental prostheses (crowns, bridges, implants and dentures) - including existing ones. Also, make sure there is no clause in the terms and conditions stating that a benefit is only provided under certain conditions.
The most important points:
Material -, and laboratory costs:
Are lab costs and material costs limited via a price benefit schedule?
Amount of dental prosthesis in percent:
at least 50% of the total costs
Costs for functional analysis and functional therapy also insured:
These costs should also be covered. Several 100$ can quickly be incurred here.
Bone augmentation also insured (important for implants):
Should be insured in any case.
Are there maximum amounts for implants/inlays:
Make sure that there are no maximum amounts. Cheating often occurs here.
How high are the benefits in the first 4 years:
Almost all dental insurance plans have benefit limits. Make sure it pays at least $4,000-$5,000 in the first few years.
What are the waiting periods:
It is best if there are no waiting periods. Depending on your dental condition, a longer waiting period may be acceptable so as not to limit your rate selection.
Number of implants per jaw:
At least 4 per jaw. It is best if the tariff does not include a limit.
Medical fees should be covered at least up to the standard maximum rate.
Good dental insurance is available for as little as a few dollars a month. It depends on age and desired benefits. Dental insurance that includes the benefits listed above always pays off - in our experience (over 30 years).