Understanding supplemental dental insurance

Understanding supplemental dental insurance

Did you know teeth start to form even before we are born, but they come through only when we are 6-12 months old? And, while baby teeth fall off and permanent teeth takes its place, losing this set of permanent teeth results in a condition called Edentulism or toothlessness. While a toothless smile would look adorable on babies or really old people, the rest of us might prefer to visit a dentist to set things straight!

Visiting dentists twice a year is highly recommended by most doctors. A thorough check up, and cleaning of teeth regularly not only reflects on good oral hygiene habits but also helps in the prevention or care of other medical conditions that are directly or indirectly related to the health of teeth and gums.

A visit to any doctor is certainly an expensive affair but is more so in the case of dentists. Dipping into your savings and attending to treatments as and when the need arises is one way to handle the situation; while intentionally saving up and investing in a particular, individualised health insurance policy is a better way to approach the same situation.

Health insurances are of many kinds. But most insurance policies do not cover dental treatments. Supplemental dental insurance is what you might opt for, to either get the necessary dental coverage that is not offered on basic medical policies or if you already have a dedicated dental insurance policy and you have exceeded your plan’s annual maximum limit. You might also want to opt for the same if your specific plan does not cover a much needed procedure, then that is where supplemental dental insurance comes into play.

To cover extra benefits related to oral care or to add to what your current dental insurance policy provides, supplemental dental insurance is extremely beneficial. The two kinds of supplemental dental insurances – indemnity or managed-care plans – usually decide your choice of dental care providers, the out-of-pocket costs involved and how your bills are to be paid.

Supplemental dental insurance is a precautionary safety expenditure that shields you and your family’s health and finances.

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