Oral care is extremely important for our overall health; a regular visit to the dentist is necessary to prevent and treat many disorders. Dental Insurance is helpful in safeguard both your dental health and bank account. However, not all cosmetic dentistry procedures are covered under insurance policies. This post will discuss the various procedures offered by cosmetic dentist Sydney and the percentage you can expect to be covered under the insurance policies.
What Is Covered Under Cosmetic Dentistry?
Cosmetic dentistry is a word used for any dental work done to improve the appearance of the teeth and gums. It covers all aspects like the colour, shape, size, and overall alignment of the teeth. Most of the treatments under cosmetic dentistry are classified as optional rather than being necessary. However, a few cosmetic dental treatments are considered restorative and are covered at least partially under insurance.
Various procedures under the umbrella of Cosmetic dentistry are teeth whitening, composite veneers, crowns, dental implants, gum contouring, porcelain veneers, and much more. Teeth whitening and implants are not considered essential and not covered under insurance. However, crowns, veneers, bridges, fillings are restorative procedures and covered partially by insurance providers.
- Dental Fillings: They must restore decayed, damaged, or diseased teeth to repair them and improve functionality.
- Composite Bonding: It helps to correct the appearance of broken, chipped or cracked teeth. They also help restore decayed and discoloured teeth.
- Dental Veneers: They are thin layers of composite or porcelain placed on the tooth front to restore teeth having discolouration, cracks, and chips.
- Inlays and Onlays: They are similar to conventional fillings using porcelain or composite material on the teeth. They help restore structural damage to the teeth.
- Dental Crowns: They cover the outer surface of the damaged tooth using material like resin, porcelain, metal, or ceramic. It is the costliest of all treatments but lasts a long time.
- Bridges: Bridges or partial dentures used when more than one tooth need to be replaced. They join two crowns with an artificial tooth to fill the gap.
Which Dental Procedures Are Covered Under Insurance Policy?
Australians can gain access to free or subsidised healthcare through the federal Medicare scheme. Children of families obtaining certain government benefits and some adult concession cardholders may have access to a limited amount of dental treatment and can submit Medicare claim for the same. However, for most, Medicare claim for dental examination and treatment can’t be submitted.
One may have to take private health insurance to pay for dental treatments like check-ups, cleanings, x-rays, fillings, extraction, bridges, dentures and much more. You will have to check with the insurance provider to know the benefit each company offers, as this may differ from provider to provider. Most health funds may pay up to fifty per cent of the cost, and there could be a capping on how many times you can claim in a year.
It is essential to find what the health fund covers before you opt for dental treatment. You will have to look deeper to see what the health fund covers as a general treatment, extras, or ancillary. Routine dental may include x-rays, examinations, cleaning, polishing, and tooth extractions, whereas major dental will consist of crowns, veneers, bridgework, implant, and dentures.
Some health funds would also mention preferred or empanelled dentists to visit for lower fares, better concessions on fees, and preventive services. Again, however, the choices could be limited. It is vital that all the treatment claimed for insurance should be classified as essential. The best way to reducing your dental cost remains to maintain good oral care habits by routine flossing and brushing of the teeth and regular dental visits.
Regular dental visits and treatments are essential for oral health. Insurance is an excellent way to save on dental expenses. While health funds may not cover the entire cost of the treatment, a substantial amount for cosmetic treatment is taken care of if you have been adequately covered for the same. With a bit of research, you may find the right insurance policy that is just right to meet your needs.