WEDNESDAY, APRIL 14, 2021
Dental insurance comparison 2021 - find and apply for the best dental insurance
It is not surprising that many people attach importance to high-quality dentures. In fact, the emphasis here may be on value, because good dentures are increasingly becoming a cost issue, if not a cost trap. Almost all clients of a health insurance are particularly affected, because here the required co-payments rise immeasurably.
However, with supplementary dental insurance, you can protect yourself from such unpleasant surprises. With the premise of only paying for services that are “sufficient and appropriate”, the statutory health insurers have increasingly become accustomed to covering costs incurred during a visit to the dentist. This was not always the case, by the way. For this reason, consumer protectionists recommend taking out supplementary dental insurance as early as possible, when the teeth are still largely healthy.
Let’s return to the SHI criterion of “adequate and appropriate. Behind this, of course, lies the firm intention of the statutory health insurers to minimize costs. An example should provide clarity here: From the point of view of the statutory health insurance, a bridge always makes more sense (because it is less expensive) than an implant solution, even though the former requires considerable grinding down of the neighboring teeth, even if they are still completely healthy.
With an implant, a titanium pin must heal into the jawbone. This then serves as a firm, artificial base for a real-looking, stable crown. The neighboring teeth are absolutely unimpressed by this type of tooth replacement. This solution is sufficient, practical and sensible, but it is not included in the short list of services provided by the statutory health insurance funds.
Now one could be modest and think, such an implant is perhaps quite a procedure and a bridge is also nice. But then you realize with disappointment that the GKV is only willing to cover the very cheapest version of a bridge. In the case of a molar, for example, the so-called “standard treatment” means the “half steel version”, i.e. the GKV pays at best half. In this case, the GKV refers to the “findings-oriented fixed allowance”.
The numbers speak for dental insurance
A broken molar tooth is replaced with a cast metal crown worth approximately 235 euros according to GKV specifications. The maximum possible reimbursement is about 140 euros. The much nicer ceramic-veneered crown would cost 500 euros. The patient will now be charged 360 euros for a single tooth. If you do not find this banal example particularly convincing for a dental insurance, we would like to present a typical scenario:
If a single tooth is replaced by an implant, we are talking about costs around 2000 euros and more. If a fancy ceramic crown is also desired, we are talking about 3000 euros. Whether or not you subtract the fixed allowance based on the findings is of little consequence. That’s why dental insurance can be a real blessing. Without supplementary dental insurance, the largest part of the costs is always borne by the patient. Implants, by the way, have proven particularly useful when several teeth are missing, in order to have an anchor to which a larger bridge or entire prosthesis parts can be attached.
Does dental insurance really make sense for everyone?
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