Toothache is not a disease, it hurts like hell.
Because dental treatment is more expensive, many people tolerate a toothache until the pain is unbearable.
Today, Bev will talk about whether insurance can reimburse the cost of dental treatment. The main content is as follows:
What are the common dental diseases insurance can be reimbursed for the cost of dental care teeth, insurance to buy how? First, what are the common dental diseasesMany people think that their teeth are very healthy, never do scaling, routine checkups and other health care programs. They wait until their teeth start to hurt before going to the hospital for treatment. That's when small problems develop into diseases, and with them come painful treatments and expensive bills.
In general, dental diseases and treatments are divided into the following four categories:
Health care treatments: routine checkups, scaling, fluoride application, fissure sealing, etc.
Basic treatments: basic periodontal treatments, common extractions, simple root canals, simple fillings, etc.
Complicated treatments: dental surgeries, restorations, implants, orthodontics, etc.
Accidental treatments : trauma suturing, periodontal fixation, tooth extraction, root canal treatment, etc.
Most dental treatments are expensive.
Taking the popular orthodontics as an example, treatment at Peking University Stomatological Hospital will cost 14,500-50,750 for the first category (fees vary according to complexity).The cost can be even higher if you travel to a private dental clinic with better conditions.
II. Can insurance reimburse the cost of dental visitsWith dental visits so expensive, can the insurance we often buy reimburse us?
First of all, critical illness insurance protects against major diseases, while life insurance only pays for death or total disability, and these two types of insurance can't reimburse the cost of dental treatment. What are some good recommendations for critical illness insurance, I just happened to organize the relevant content, I hope it will help you: the latest list! Ranking of popular critical illness insurance policies from national insurance companies!
Several other types of insurance can cover coverage for your teeth.
1, medical insurance
Medicare almost everyone has, so many people are concerned about the cost of dental treatment medical insurance can be reported?
Taking Shenzhen as an example, the Shenzhen Municipal Health Bureau and the Social Security Bureau stipulate that the scope of dental health insurance is dental fillings and extractions, and some of the filling materials need to be paid for out of pocket.
Most examinations and treatments for scaling, oral restoration (veneers) and orthodontics are excluded from the medical insurance program.
The reimbursement coverage varies from region to region, depending on the health insurance policy. If you want to see a dentist, you must go to the dentistry department of a hospital designated for medical insurance in order to be eligible for medical insurance.
As you can see, medical insurance is a basic benefit, although the threshold is low, but the protection is general.
2, accident insurance
Accident insurance protection is because of the accident caused by the death, disability and medical expenses.
Accidental disability: According to the disability standard, the accidental loss of teeth greater than or equal to 8, has been classified as 10 disability. If you buy a million dollars of coverage, it will pay 100,000 dollars.
But dental implants are very expensive, one needs about 10,000 yuan, 100,000 yuan can barely plant eight.
Accidental medical treatment: Accidental medical treatment is only for the treatment of accidental damage to the teeth, for repair and plastic surgery are exempted from liability.
See accident insurance for dental protection is not sufficient, and only protects the risk caused by accidental factors.
3, medical insurance
Because the cost of dental treatment is more expensive, and the level of dental health of the people of the country is generally low, so the ordinary medical insurance does not pay for dental diseases, but only pay for dental treatment due to accidents.
A medical insurance exclusion clauseCommon insurance does not cover the cost of dental treatment, what are some other new ideas to protect your teeth?
Three, caring for the teeth, insurance to buy?The market for dental insurance, mainly divided into two kinds:
Special dental insurance high-end medical insurance special benefits or additional benefits1, high-end medical insurance
High-end medical insurance dental coverage can not be purchased separately to a certain enjoyment of life B, for example, you need to first buy a hospitalization insurance, costing 2,100 - 8,800 yuan, and then spend about 1,000 yuan additional dental coverage.
As you can see, even if you buy dental coverage, the sum insured is not high. Bev thinks it's not worth it if you buy high-end medical insurance for dental coverage.
2, special dental insurance
Specialized dental insurance is only for dental treatment costs, from the responsibility to cover, it has several characteristics:
For private hospitals: such as Ruier, Joy, Baybrook such a chain of outpatient clinics, the public hospitals basically do not cover.
Treatment programs are complete: there are basic treatments such as fillings and extractions, in-depth treatments such as root canals and dental implants, as well as orthopedics and Invisalign, which are kinds of medical aesthetic programs. Among them, dental implants and orthopedics, all of which have targeted insurance.
No health notification required: Specialized dental insurance does not require health notification, and it can be used if you find a dental problem and buy it when you go to the doctor.
When purchasing this type of insurance, the hospital covered by the insurance liability is "the medical institution stated in the insurance policy".
This means that if we go to a private institution for a dental visit, and that institution happens to have a partnership with a dental insurance policy, we can buy it and get reimbursed. It's like a discount on the cost, only in the form of insurance.
If you want to buy specialized dental insurance, here are a few things to keep in mind.
3, considerations for buying specialized dental insurance
What do you want to cover: do you want dental care, basic treatment, complex treatment or accidental treatment? There is a big price difference between different scopes, and even with the same coverage, there are more limitations on the amount of coverage, so you need to differentiate for yourself.
Pay attention to your own area: many products have designated the cooperation of the clinic, which brings some inconvenience to the consultation. You need to make a comprehensive trade-off between your area and the services you want to get.
Baby's wordsMany dental health problems are caused by neglecting daily protection and prevention.
Some people have had their own teeth extracted at a young age because too much calculus triggered periodontitis, while others are afraid to open their mouths and smile because of malformed tooth growth.According to the 8020 program proposed by the World Health Organization, if we still have 20 teeth with chewing function and no loosening at the age of 80, we can maintain normal chewing function and a quality of life that matches it.
So it's still important to protect your teeth, whether you have dental insurance or not, to have regular checkups for oral problems and active cleanings in order to prevent problems before they occur.