Dental insurance can be helpful. However, it’s important to understand what you’re covered for. If you’re paying for dental as part of your health insurance cover, it just makes sense to use your benefits every year. But don’t expect your insurance to cover the cosmetic work you’ve always dreamed of.
Where a dental plan can help is when you encounter unexpected dental costs—if you accidentally knock out a tooth or need work such as a filling. In addition, dental insurance helps reduce the cost of general care and maintenance of teeth, such as regular dental check-ups and scaling and cleaning.
As health insurance policies all differ, it’s important to read the fine print on your dental cover so that you are clear:
Most dental health insurance does not cover procedures the insurance company says is ‘cosmetic’. Unfortunately, you may fall afoul of this if you have one of those procedures as part of essential dental work. For example, if you had a cracked tooth, you may need a veneer to ensure the repaired tooth matches the appearance of your other teeth. That veneer would be classed as ‘cosmetic’ work, so the insurance company may not cover it.
We usually give our clients the health insurance item numbers so they can check beforehand whether their health policy will cover their upcoming dental work.
In cases where clients are not covered for dental procedures or treatments, we offer a free payment plan to help them with their cash flow and dental budget.
Alternatively, some people may save up before electing certain procedures, such as cosmetic dentistry. This isn’t a bad option, although it does require a fair bit of discipline when it comes to saving.
Contact us on (03) 9857 3988 or book an appointment with us online.