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Dental Insurance

Having a great looking smile isn’t just about looking good – it is about being healthy as well. In fact, a growing number of studies are linking a having a healthy mouth to having a healthier body, which means it may be more important to take care of your mouth than you once thought.  Of course, getting dental care is not cheap.  Therefore, it is a good idea to have dental insurance in place in order to help you offset the cost of caring for your mouth.

Getting the Treatment You Need

As a resident of the UK, you can take advantage of the dental services provided through the National Health Service (NHS).  While this may seem like a simple solution, it is becoming increasingly difficult for many people to get the treatments they need through the NHS.  In this case, it becomes necessary to seek out the services of a private practice.  Unfortunately, this can be quite expensive and may cause you to put off receiving the treatment you need.  With the help of dental insurance, on the other hand, you don’t have to put off treatment and you have a greater amount of flexibility when it comes to the dental provider you use.

Understanding Your Dental Insurance Coverage

When you obtain a dental insurance policy, you will find that the treatments you receive from a dentist will fall into one of four broad categories.  These categories include:

  • Routine Treatment – any treatment that is performed by a hygienist or registered dental surgeon while you sit in a dentist chair
  • Dental Emergency – a treatment for an incident that results in acute swelling, acute pain, or hemorrhaging
  • Dental Injury – a treatment for an injury resulting from an accident such as an external blow to the jaws, face, or teeth.  All in-patient and out-patient treatments, surgeons fees, hospital charges, anesthesiologist fees and follow up treatments associated with the injury also fall into this category.
  •  Serious Dental Problems – a treatment for a serious problem that may or may not have resulted from an injury, including oral cancer, jaw and skeletal fractures, reconstructive surgery following an oral injury or illness, conditions of the salivary glands, root removal surgery, treatment of serious abscesses, and more.

Although dental insurance will not pay for the full cost of the procedure you require, it will pay for a portion of the costs.  This makes using the services of a private dentist more affordable. In addition, though you have to pay a portion of the cost for the procedures you need, most policies will put a cap on how much you have to pay out of pocket each year.  Therefore, if you have a cap of £2,000 per year, you will not have to pay more than this amount toward dental insurance each year.  Once you reach this cap, the insurance company will pay the entire cost of the procedures you receive for the remainder of the year.  At the same time, most companies also have a cap on how much they will pay each year, so plan your procedures carefully in order to get the most out of your insurance coverage.

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