Are Teeth Covered by Health Insurance?
The subject of health insurance is a hot topic as ever. There are so many questions about costs, benefits, coverage, and longevity that have yet to be answered, but the circumstances around dental care remain as questionable as ever. Are teeth covered on health insurance plans? Not really, and here’s why.
The Purpose of Health Insurance
Health insurance exists to ensure that if you need medical attention, it is there. You need it to help pay for appointments, medication, treatments, surgeries, emergency care, and more. It should, technically, cover all of the things you need when it comes to physical and mental health but it doesn’t necessarily translate on paper.
If you don’t have it, and something happens like pregnancy or even a thing as extreme as cancer, you could end up in serious financial hardship. Hospitals and medical clinics need a way to cover patient costs, and this is the established course of action.
Why Dental Plans Are a Gray Area
Dental care is not specifically covered in a mainstream health insurance plan. This gray area is the source of a lot of frustration, and rightly so. The primary reason behind this is that a lot of dental care is classed as cosmetic, instead of a necessary procedure.
Therefore, dental interventions are typically accessed as a beneficial addition to a core policy, and this is a frustration, to say the least. Yet, these benefit schemes make it easier than ever and offset the initial upfront costs in advantageous ways.
So, Does It Work?
The one great thing about personalized dental health plans is that they are often a great point of access for those who would otherwise neglect oral care. It works because, without it, things like toothpaste and proper brushing habits would fail to come to life for thousands of people. It is an additional expense, yet one that needs to be taken care of.
There are tailored approaches, and people can access essential services for their teeth that they would otherwise be facing a huge financial burden for. It is a hard truth to swallow, but the cost of dentistry and oral hygiene products puts a lot of people off from engaging.
Why Dental Care is Important
When dental care is neglected, the whole body is at risk. Teeth need daily brushing routines in order to stay healthy and the risks of not doing this are pain, decay, and infections. Tooth decay and gum disease also increase the likelihood of oral-based cancers from taking root, and this creates a new network of health problems to navigate. There are even links between oral bacteria and dementia development that have come to light in recent years.
So, the big picture of health is relevant, and your mouth dictates a lot of what goes into the rest of your body. Therefore, it makes complete sense that people should be facilitated in looking after their teeth and gums, and generally engaging with positive dental care practices.
So, are teeth covered by health insurance? In the main, no. There are programs you can access that will ensure oral hygiene is a priority and well looked after, but your main policy is less likely than ever to cover core services and basic products.