Dental Insurance in South Africa
Dental insurance is devised to offer financial coverage of a portion of your dental care bill. This is important so that crucial dental work that you need is not ignored or delayed due to the costs involved.
There are various types of plans available as well as a wide scope of coverage within these plans encompassing both basic care plans to full and complete dental. Additional insurance can be purchased specifically for cosmetic dentistry or a specific procedure within cosmetic dentistry.
The most widespread dental insurance is managed care plans through organizations. However, generally these plans are discounted fee schedules through participating dental practitioners rather than insurance in the usual sense and is available for only a few rands per month.
Indemnity Plans are structured so that a fixed amount is paid to the insurance company each month. When a claim is made for services received, a portion of this bill is paid (usually 80% after the deductible which can be hefty). Certain procedures are not covered under various plans so this should be scrutinized before planning to purchase a specific plan.
Helpful Tips to Purchasing Dental Insurance
A visit to the dentist can add up depending on the procedures that you need to have performed and it may not be within your budget. Purchasing an insurance policy takes care of that problem. The thing is, you must analyze whether the amount of dental visits that you make in a given year would warrant the total cost of the insurance plan. If for instance, your visits to a dentist are usually limited to two dental cleanings per year, the insurance would cost more than just paying the dentist as each cleaning is performed.
Check to see if the dentist that you would like to have care for you is a participant in the plan and if not, whether this coverage allows for payment to nonparticipating dentists.
If dental insurance can be obtained through the place of employment, this is generally a better avenue to take. The structure here is such that the patient pays the dentist at the time of service, which is reimbursed, for the cost in correspondence to the coverage level the employer pays for.
Coverage through work often covers optical care, health and life insurance as well.
Take a good look at the deductible- this is the amount of money that you would be responsible for prior to the coverage paying for services that you receive.
Finally, check to see what procedures are covered. If you feel that replacement of lost teeth with implants are in your future, a separate policy can be purchased for this specific procedure.
Dental insurance is not going to pay for the entire process that you may require for your teeth. However, having it can make the difference between whether you decide to go for the most appropriate procedure that you really want, and one that is less expensive. Having dental insurance will provide you with the comfort you need, when you need it!