If you have ever pondered the issue of dental insurance generally, you might have encountered reference to “full coverage dental insurance.” Be clear from the outset: a full dental plan is not the same thing as traditional dental coverage. The distinction between the two is crucial: dental coverage does not cover pre-existing conditions, whereas a full dental plan enables you to anticipate your dental needs.
For conventional dental insurance, your obligations are much the same as for medical cover. You will be asked to undergo a full examination, including X-rays and blood tests, which enables the insurer to set a benchmark on your dental health. Thus if you claim a few weeks later for extraction of an abscessed tooth, and it is on record that you had that problem – or evidence of its developing – when you took out your cover, the insurer is entitled to decline reimbursement.
When you think about it, full coverage dental insurance makes sense for everyone – perhaps even more so children than seniors, as a child has a lifetime of oral health contingencies ahead of him.
Those familiar with full dental plans will argue that the policy tends to limit the range and pay-out figure for dental procedures, but the fact remains that full coverage plans do provide for most of the essential procedures you’re likely to need.
The benefits of full coverage dental insurance are self-evident, but to recap:
1. The full dental coverage plan saves you from having to blow the budget on dental care. In other words, you pay a set amount (your annual premium) for whatever treatment you need through the year, without having to worry about finding a large sum of money in a hurry to pay your dentist in the event of a major repair job.
2. Full coverage dental insurance takes specific care of the gaps and procedures not included in a medical insurance plan. Medical insurance, in fact, usually excludes dental treatment; if dental care is provided for, the premium on the medical insurance policy will usually rocket.
It’s worth bearing in mind, too, that “full coverage” can mean “nearly full”, which is good, because it gives you a flexibility option. This means simply that if the premium, even broken down to a monthly direct debit on your current account, is still difficult to meet, you can opt for a “percentage cover.” This way, the insurer will meet, say, 75 percent of the cost on a complex procedure and you pay the balance.
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