Are you currently having a dental coverage? In general, dental plans differ from one to another in many aspects such as the premiums, annual dental spending caps, level of reimbursement, types of service providers, exclusions, etc. As a smart consumer, you are required to familiarize yourself with the policy so that you are clear about what is covered and how it is covered.

Let’s take a common treatment as an example. When we grow older, it is definitely a need for us to have filling. As a patient, you may prefer a dental filing with a composite material. Before you undergo the treatment, you must first check your policy. Evaluate the benefits allocated in your plan for composite fillings. Is it fully covered? In general, many insurance companies normally reimburse the cost of composite filling at the rate equal to an amalgam filling. Hence, you will be required to pay the remaining balance from your own pocket.

The next example I can give is related to cosmetic dental procedures. Most of the dental insurance plans in the market do not cover these. If you are planning for a smile makeover, check your policy first to see whether there is any coverage for it.

For minor cost, most of the policy holders are affordable to pay the additional amount. However, you must be extra careful when you are planning for a major dental surgery or procedure. It is important for you to ask the dentist about the dental treatment costs before agreeing to receive treatment. If there is a particular exclusion in your plan, you will not be able to reimburse the full dental fee for the specific treatment.

To sum up, it is indeed important for a policy holder to know the details of their dental coverage and keep them in mind.

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