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Are dental emergency’s covered by insurance?

Dentist in Shipley looking at tooth xrays

In this article we are going to look at what dental insurance is and what dental emergencies are typically covered by dental insurance, and if dental insurance is actually the best solution for you.

Dental insurance explained

Dental insurance is a type of health insurance designed to cover the cost of dental care. Most dental insurance plans provide coverage for preventive care such as regular check-ups, cleanings and X-rays, as well as for restorative care such as fillings, crowns and root canals. Some plans may also offer coverage for orthodontics (braces), cosmetic dentistry and periodontics (gum disease treatment).

Do you really need dental insurance?

When it comes to dental insurance, it can be difficult to determine if it is a necessary expense. While having dental insurance can provide you with coverage for some types of emergency procedures, such as root canals and crowns, it may not cover all types of emergency treatments. Additionally, depending on the type of plan that you have, there may be considerable deductibles or co-payments involved in receiving any treatment.

If you are someone who rarely visits the dentist and do not have any major problems with your teeth, then purchasing dental insurance may not be necessary. 

Alternatives to dental insurance

If you are in need of dental care but do not have dental insurance, there are a few alternatives that could help cover the costs. One option is to look into discounted dental plans. These are membership-based programs which provide discounts on a variety of dental services such as exams, cleanings, and X-rays. Another alternative is to try finding a dentist who offers payment plans or low-cost dental clinics in your area. You can also apply for grants or other financial assistance to help with the cost of your treatment. 

Private vs NHS dental insurance

There are two main types of dental insurance that people can opt for when it comes to covering their dental care: private and NHS. Both have their advantages and disadvantages depending on your specific needs.

Private dental insurance is typically more expensive than NHS insurance, but it offers a wider range of coverage options and often pays out higher claims amounts. Private dental insurance will usually cover most emergency treatments, whereas NHS insurance may only cover the basic treatments such as fillings and extractions. Private insurance plans may also cover cosmetic dentistry procedures.

Am I covered by travel insurance if I need to see a dentist?

Travel insurance can be an important consideration when it comes to dental emergencies while traveling. Depending on the policy you purchase, you may have coverage for emergency dental treatment due to an accident or illness. It’s important to read the fine print of your travel insurance policy in order to find out if you are covered for dental treatments and what type of treatments are eligible for reimbursement.

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