Dental insurance is one of the most important aspects of your overall health and wellness. While it’s true that dental insurance is a necessity for nearly everyone, there are different types of dental plans that specialize in offering specific benefits to those who need them the most.
Dental insurance is a type of insurance coverage provided by certain large insurance companies. There are two main types: dental / dental cover and dental indemnity plans. Dental cover provides coverage for the treatment of dental problems that are not going to involve a hospital visit, so does not need to take up a significant amount of money – for example, for some primary care needs such as teeth cleaning.
To take out the best dental insurance at the best price, we recommend using the insurance comparator at Acierto.com, where you can compare the prices and benefits of the main insurers on the market. In addition, if you wish, you will have the help of an expert advisor who will accompany you during the process and will answer all your questions.
Even so, if you want to review the policy before contracting it, you can look at certain issues that we have already explained.
- Services included: which services are included in the dental insurance for free and which are excluded. And if it allows access to them with discounts (and in what percentage). Axa Dental Health, for example, is one of the most complete policies: it includes 240 and 82 are free.
- Dental network: that is, the own clinics that you can go to, the dentists and also the network of concerted clinics.
- Exclusions and limitations: such as waiting periods, copayments, reimbursements, etc.
- How minors are considered: if you can include them in the policy and up to what age, what services are covered, etc.
- Advantages and flat rate for 3 to 6 policyholders: many insurers offer discounts and additional advantages if you take out dental insurance as a pack.
- Pre-existing conditions: As with health insurance, dental insurance does not usually cover pre-existing conditions. It is advisable to check what services interest you before hiring it.
- If you have additional discounts from a certain date: for example, Sanitas offers them from the second year. A way to reward the insured.
This is a complete dental insurance
As with almost all policies, there are more comprehensive dental insurances than others. It is essential to look at the services that are offered free of charge, but also those that involve a co-payment and in which we can obtain some type of discount. These additional services that go beyond the basic policies are:
- Orthodontics: orthodontics is one of the most demanded services in dental clinics. Thanks to dental insurance you can get discounts of up to 50% on many treatments of this type: metal braces, ceramic braces, invisible orthodontics, etc. The replacement of brackets if they become unstuck or deteriorate over time is another frequent service. It is also common for the company to cover previous expenses (such as x-rays) and check-ups. Everything with the limits set.
- Implants: the best dental insurances also include the implantology study prior to the intervention.
- Periodontics: This is the branch that treats bone and gum diseases. The insurance can contemplate the diagnosis and previous probing, but not so much the serial radiology and the periodontogram.
- Prostheses: removable and fixed prostheses -such as bridges and crowns- are usually covered in the most comprehensive dental insurance. In the most basic policies they are offered at special prices. The previous study, however, is usually included.
- Aesthetic dental treatments: such as whitening or repair of broken teeth. As a general rule, companies offer discounts on these types of services. In addition, we must bear in mind that the consultation and the previous study will be free.
- Surgical dentistry services: such as removal of wisdom teeth or operations on the frenulum (frenectomy), tongue, and lip. This includes related tests, anesthesia, removal of stitches, and the like.
- Consultation with a maxillofacial surgeon: most dental insurances do not include consultations with a maxillofacial surgeon. However, some companies do.