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Finding ways to solve dental health problems often leads to an insurance model, but even in countries with a developed system of medical insurance, not everything is all right. The report on the results of the functioning of such a system in the United States “2013 Annual Survey of Dental Care Affordability and Accessibility” is an example.
According to the results of the survey, nearly 70% of uninsured respondents and more than 50% of those with insurance admitted to delaying dental care in the past due to the expense. A whopping 148 million people in the US do not have dental insurance. 56% of respondents did not apply for preventive care, and 18% did not visit the dentist during the last ten years. The survey also revealed that both Americans with insurance and those without coverage were deterred from seeking dental care in 2013 by the high cost of care and the uncertainty surrounding steel prices.
How Do I Get Dental Insurance?
The dental program always comes as an addition to the basic VHI policy and cannot be purchased separately. The usual list of dental services often includes:
• consultation and diagnostics;
• diagnostic studies, including X-rays;
• therapy (treatment of caries and pulpitis, removal of nerves and anesthesia);
• surgery;
• treatment of the oral mucosa;
• round-the-clock emergency care;
• removal of plaque and stone;
• covering teeth with fluorinated varnishes (these procedures are performed no more than once or twice a year).
The list of services covered by standard medical insurance appears austere, but occasionally you can bargain with the insurer and include implantation services or prosthetics. The patient must carefully read the insurance policy before agreeing to cover this kind of treatment. Almost always, VHI policies limit the clinic’s options and stipulate that only urgent situations, like maxillofacial injuries, will the insurance company cover prosthetics.
If tooth decay or other more widespread factors led to the prosthesis installation, the patient would only have to pay out of pocket for the necessary care. Additionally, since the service might not be required throughout the entire insurance period, the overestimation of the policy’s cost might not be justified.
What circumstances are the VHI policy with a dental program useful and advantageous? Medical insurance for dentistry is appropriate for people with moderately problematic teeth, for those who only see the dentist once or twice a year, or if you want to put your not too dental insurance much neglected teeth in order.