Discover the best Dental Insurance policies in Australia
You might be used to hearing people say that big smiles are linked to a long life. However, smiling has been a challenge to many living with dental-related problems. Some people even mistake them to introverts and so forth not knowing how much they long to keep smiling all day long interacting with everyone that cares to listen. One of the key reasons for maintaining dental health is improving smiles, mouth shape and to enhance beauty. This is why looking for the best dental insurance policies are worth the effort since the value of our teeth cannot be underrated.
Factual dental cases
Unfortunately, dental problems are quite rampant with 3 out of 10 adults having tooth decay issues. Again 2 in every 3 individuals having a missing teeth/tooth while at least 1 in every four people have a toothache. Maintaining good dental health, flossing and brushing may not be enough you need the help of a professional dentist. However, this can be quite costly if you don’t have a dental insurance cover.
Kinds of dental cover available in Australia
Funny enough, some Australians do not even know if dental insurance exists in the first place. Private health insurance plan has blinded many and it’s the reason why they barely know anything about dental insurance since the cover tends to cover an inclusive medical cost depending on the policy. However, it might not be fully efficient when it comes to critical dental problems. Here are the different categories of dental health insurance cover;
- General dental; this one takes care of such treatment services as fillings, scale and clean as well as oral exams.
- Major dental: this is responsible for surgery services which include treating gum problems, veneers as well as dental emergency treatments.
In certain cases, you get other benefits such as;
- Endodontic work; focuses on the treatments of tooth damage and decay
- Orthodontic; this entails jaw treatment as well as facial irregularities. It can be of much help for patients who need braces.
However, all this will depend on your cover level, otherwise, you may not be entitled to these benefits. Make sure you cross-check the policy brochure to understand your dental policy level.
Will I still pay for dental treatment if I have a dental health insurance cover?
This is the question most people ask. The truth is a dental health insurance policy meets your treatment cost either completely or just partially but this will depend on your insurer. For several dental health insurance companies, the policyholder is entitled to out-of-pocket costs.
How much dental treatment can I claim?
There is nothing as good as getting low-cost treatment as long as it takes. However, with dental insurance covers, there is a limit on how much treatment claims you can make. The limit is set to prevent policyholders from making unnecessary claims. That said, there are lifetime dental cover limits particularly for costly dental treatment such as orthodontics.
Also, there are varying waiting periods since extra policies are usually fixed by health insurance providers. So it’s good to know how long you have to wait to make a claim on dental benefits as set by your insurer.