|Think over a few things - have you spoken in advance with your dentist about the procedure, what it includes, and getting down to the nitty-gritty, what it will cost, including taxes, down to the last penny? If now you do not have any kind of dental insurance, keep in mind that once you sign a policy with a company many plans clearly set out that you must wait a year before you go ahead with any dental work. |
A thing is to look to a dental HMO as many do not have any waiting periods whatever. If you have an insurance policy that covers dental work then take our congratulations, but look at your policy very closely and carefully as many policies cover such procedures as regular check ups, cleanings, fillings and extractions but not cosmetic procedures like orthodontics and dental implants. You are able to prevent a no-win situation by doing your homework ahead of time.
Examine your policy and see what it does (and does not) cover before you make an appointment for dental implant surgery. You have to know that some insurance policies do not cover conditions that were pre-existing before the policy began, for example, broken or missing teeth. But some others pay a certain amount or in some cases, pay for the “least expensive alternative treatment”, according to the guidelines set down by the insurance company.
While choosing a new insurance plan and/or selecting one for the first time, you need to ask yourself several of relevant questions:
Firstly, if it is a plan that is offered by your workplace, are you as an employee allowed to select your own dentist or will he/she be chosen for you?
Secondly, is the kind of dental treatment you choose to undergo decided upon by yourself as the patient and the dentist, or there is a third party involved in the decision making process?
Thirdly, does the insurance plan in question cover such services as diagnostic, emergency and preventative care? Preventative care would cover such things as fluoride treatments and sealants. Also would full-mouth x-rays be covered by the plan?
The following questions should be also asked. What kind of routine dental work is covered under the policy? Are these types of dental work done- bridges, braces, crowns, root canals, treatment for periodontal disease and oral surgery? Does the insurance plan cover dental implants, dentures or treatment for temporomandibular disorders? Is emergency dental work covered by the dental plan?
And the last one, can a specialist be chosen by the patient or not?