It is a fact that while dental procedures and treatments are expensive, everyone has had their fair share of dental visits. Each dental appointment leads to costly fees that you wish would have been covered by your insurance. For some, they have to just pay for everything upfront. But those who have dental health coverage as part of their health insurance can enjoy special features such as what they call a no gap dental policy. Let us learn about what a gap is and what a no gap dental policy can do to make our dental health expenses convenient.
What is a gap?
Suppose that the insurance provider covers you for a specific dental treatment for $150. When you visit your dentist and have that procedure done, he informs you that its total cost is $170. This means that your health insurance can pay for the $150, and you have to shoulder an out-of-pocket charge of $20. That out-of-pocket expense is what we call a gap. It is the difference between the total cost of a dental procedure and the amount payable by the insurer.
What is a no gap dental policy?
A no gap dental policy is an extra or supplementary policy or coverage that is part of your health insurance plan that eliminates the out-of-pocket cost for preventative dental treatments. The sole purpose of this no gap dental policy is to avoid costly dental procedures to treat or fix a serious dental condition without hassle.
What procedures are covered by the no gap dental policy?
While many insurance companies would offer different coverage amounts for various dental treatments, the most common procedures they cover are preventative in nature. These include:
- Initial dental examination
- Scaling and cleaning
- Dental x-rays
- Fluoride therapy or application
- Other preventative examinations
- Provision of customised mouthguards (if necessary)
Insurance providers cover these dental procedures through their list of dental clinics or dentists. Different insurance companies prefer the services of different dental clinics and professionals, so knowing that your dentist and insurance company are compatible would make a difference in your dental expenses.
What other considerations should I be concerned about no gap dental?
There are some points that you need to consider about the no gap dental policy.
- Not all health insurance companies offer a no gap dental policy. As this is an extra feature, it is best to inquire about this policy with your insurance provider before scheduling your dental appointment or treatment.
- You need to have active and current health insurance coverage. If your health insurance has a no gap dental policy, settling all the monthly premiums on time and maintaining an excellent paying reputation as an insured member entitles you of the extra benefit.
- You have not reached your annual benefit limit. All health insurance coverage has an annual limit for each dental treatment. So if your annual benefit limit is $500, and you have maxed out that amount, the no gap dental policy, though offered, will not take effect.
Now that health insurance companies allow their insured clients the convenience of getting dental services when they need it, taking care of our teeth does not need to take the backseat. Giving importance to our dental health becomes hassle-free and affordable if insurance features like the no gap dental policy are available for everyone.