The loss of a tooth, whether due to injury, decay or age, can significantly impact one’s quality of life. It can affect one’s confidence, ability to eat and speak, and overall well-being. Fortunately, a dental implant has emerged as a reliable and practical remedy for a missing tooth. Yet, opting for dental implants can be pricey, and not everyone can afford it. Many people in India are unaware that they may have options to help offset the cost of dental implants. This article delves into various methods to help cover dental treatment costs.
Will a Health Insurance Plan Cover Dental Treatment Expenses?
Typically, standard health insurance plans exclude coverage for dental treatments. The patient must bear any expenses for dental procedures that aim to improve facial appearance. Health insurance providers will only cover dental procedures that are medically necessary and recommended by a certified medical practitioner. In cases where a condition has the potential to become life-threatening if left untreated, health insurance will also provide coverage for dental treatment.
Several insurers have recently started providing dental insurance as an add-on. This additional coverage offers protection for oral check-ups, root canal procedures, extractions, preventive treatment, and filings. On the other hand, dental insurance usually excludes cosmetic treatments like dentures, prostheses, jaw alignment, and orthodontics.
Dental treatment can involve costly procedures. Hence it is extremely important to go through the policy wording to comprehend the exclusions of your healthcare plan. If you have a doubt and require clarification about the exclusions and limitations of your medical policy, you must reach out to your insurance provider. You can talk to the insurer’s customer care department or visit the nearest branch of the insurance provider. It would be wise to have all your queries answered before you invest in the policy.
What are the Ways to Cover Dental Treatment Costs?
You can cover dental-related treatment costs in the following ways.
• Dental Cover:
Purchase a dental insurance rider to supplement your health insurance coverage and deal with dental issues.
• Government Schemes:
The Government of India offers several schemes that provide eligible individuals with free or subsidised dental treatment.
• Payment Plans:
Many dental clinics in India offer payment plans that allow patients to pay for treatment in instalments over time. This can be a good option for those who cannot afford to pay for such treatments upfront.
• Medical Crowdfunding:
This is becoming an increasingly popular way to raise funds for medical expenses, including dental treatment. Multiple platforms in India allow individuals to create fundraising campaigns and share them on social media to raise money for dental treatment. One must bear in mind that such platforms do not cater to people looking for cosmetic enhancements.
• Dental Colleges:
Many dental colleges offer treatment at a reduced cost compared to private clinics. Dental students conduct various procedures and offer treatment under the supervision of experienced dentists. This can be a good option for those who cannot afford private dental treatment.