Would a Dental Insurance really cover your Dental treatment expense?
Well, the first question that pops up while you think of buying a dental insurance is that whether a dental insurance would really cover all my dental treatment expense and as a result of this answer you might actually even buy a dental insurance. This is because, these insurance policies actually do claim that they will cover up all the expenses and make you believe that they are to help and serve you but in fact, the reality is often different.
It cannot be said that they will not cover these expenses but this can surely be claimed that they will often not be readily available to your aid.
The reason behind this claim is that these insurance policies also entail with them, long waiting periods which you will have to go through in order to get an appointment with the insurance providers or the dentist itself as this point is usually a part of their policy. Therefore, one thing that becomes clear at this point is that if in case you urgently need a dental treatment, and you reach your insurance provider for assistance in the matter.
Best Dental Treatment
Firstly, they will make you get the dental treatment done by the dentist they recommend and even then, you will have to go through a long waiting period to get in an appointment with the dentist. In such a case, what you would logically be doing is that you will get your treatment done elsewhere instead of relying on your dental insurance provider and then you will claim for a compensation from the insurance provider, which you might already have an idea that how hectic it would be!
Even if we are to consider that they meet up with you in regards to pay you for the expenses incurred on your dental treatment which is very unlikely, the arguments and the way meeting will go, it will have your trust lifted up from the insurance providers. This is because you would never want to argue for the money they have spent on your own self while having to prove that the problem you had to face required urgent dental treatment.
Therefore, it becomes clearer that there will be many complications in the whole process and only if you are lucky or could bear the waiting periods, you will be able to claim your insurance, otherwise the chances are very low.
No! Its not much expensive..!
So, instead of looking for and buying dental insurances, what you could actually do to save your money is, being a part of a dental rebate arrangement. In this way you can choose to arrange with the dentist of your choice and actually save money up to 10% to 60% on your total expenses incurred on your dental treatment.
With this arrangement, you will have the ease and feasibility to get treated by your chosen dentist who would most probably have a session with you within three working days. Moreover, there will be a possibility to save almost half of the expenses along with the satisfaction and not having to worry about the hectic procedures that you most probably will have to go through after buying an insurance.