Are you planning to take out dental insurance but don’t know where to start?
You are in the right place: in this guide we will explain what dental insurance is and what it is for, specifying the coverage and the opportunities it offers.
Dental expenses represent a rather heavy cost item in the family budget: to have healthy teeth it is necessary to undergo periodic check-ups and, often, dental treatment which can involve a considerable outlay of money.
To protect yourself from all this, the dental policy is an excellent solution, because it allows you to cover the expenses incurred for the care of your smile or that of your family members.
Now let’s see in detail what is meant by private dentist health insurance, what are its advantages, and how to choose the one that’s right for you.
Guide to choosing the best dental policy for you
From the definition of a dental policy to the advice for comparing quotes, here is a series of useful information to choose the insurance for dental expenses that is closest to your needs.
What is what it is for
Very often, when it comes to visits to the dentist and dental care, the scenario that opens up is quite worrying, especially for a family. This is because, generally, dental costs are so expensive that, according to ISTAT data, more and more Italians are giving up treatment for an economic factor.
Dental insurance is an optimal solution to manage the costs related to dental care because it allows the beneficiary to obtain financial support for the expenses.
The dental expense reimbursement policy can essentially work in two ways:
- Direct refund;
- Indirect refund.
In case of direct reimbursement, it is necessary to contact a dentist affiliated with the insurance company that holds the policy; at the end of the treatment, you will not have to pay any fees and the professional’s fee will be paid directly by your dental insurance.
In the case of indirect reimbursement, on the other hand, dental health insurance will reimburse the costs for the treatments incurred afterward, i.e. after having actually paid the professional’s fee.
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Covers and limitations
As we have said, dental insurance provides, upon payment of a premium to the insurance company, a reimbursement (in whole or in part) of the expenses related to dental care.
In general, the total reimbursement is paid in the case of ordinary care, for example covering the cost of a teeth cleaning, while for more complex operations, limits (or ceilings) of coverage are defined.
Speaking of the limitations of dental insurance, these could refer to the non-coverage of some treatments, the annual ceiling, or the institution of a deductible.
Generally, the dental policy does not cover cosmetic dental treatments such as teeth whitening and ceramic veneering. In addition, there may be some guidelines in the contractual clauses relating to the reimbursement of costs incurred for orthodontic appliances or dental prostheses.
Aspects to consider when choosing
To choose the dental insurance that best suits your needs, it is necessary to take into consideration some important aspects, so as not to incur misunderstandings or unpleasant surprises when needed.
In particular, we recommend that you pay attention to:
- Amount of the premium and type of treatments: to choose the most suitable dental policy for you, you will need to evaluate the different estimates and choose the one that has the best balance between premium payable and guaranteed coverage. Keep in mind, as we have told you, that the clauses of dental insurance may indicate limitations for particular treatments, so consider your specific needs well before choosing;
- Deductible, limits, and repayment times: in general, total dental insurance provides for deductibles, i.e. costs entirely borne by the insured. In addition to taking this aspect into consideration, it also evaluates the ceilings and repayment times, which could be quite long;
- Special conditions and clauses: finally, we recommend that you choose your dental insurance paying attention to any contractual obligations relating to the choice of dentist and the type of treatment. In fact, one of the most common clauses in dental insurance contracts is referred to as the least expensive alternative treatment. By virtue of this clause, the insurance company links obtaining reimbursement for dental treatment expenses to the choice of the least expensive treatment, if there is the possibility of choosing between various alternatives.
Dental policy costs and quote comparison
As we have seen, the costs of dental health insurance can vary based on several parameters, which you will need to carefully consider.
We recommend that you request several quotes and analyze, each of the offers, the costs, and opportunities envisaged, in order to choose the best offer for you.
To save on your dental insurance, online policies are ideal, because they have the ability to streamline the expenses and management costs typical of traditional insurance companies.
Among the other advantages in choosing an online company, is the ability to manage your practice directly from home, limiting travel and thus saving time and money.