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WEDNESDAY, APRIL 14, 2021

Dental insurance comparison 2021 - find and apply for the best dental insurance

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.

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If major repairs are already pending, it can be almost too late to take out dental insurance, because dental treatment for damage that already existed before the supplementary dental insurance was taken out is generally not covered by the (new) insurance.

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

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You decide what dental insurance pays and what it doesn’tWhoever visits the dentist at least once a year and conscientiously maintains their bonus booklet for five years can be reimbursed by the GKV for up to 60 percent of the costs for standard care. A bonus booklet that is ten years old can even bring in 65 percent. The patient with statutory health insurance pays the remaining percentage himself, unless he has extra dental insurance. The following numerical example is certainly a motivator 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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Although it was indicated above that dental insurance should be taken out as early as possible, before the first major treatments become necessary, people with very good teeth, who may even have a favorable genetic disposition, can rest easy for now and do not need to do anything at all. But the majority have multiple, older fillings in their mouths that soon threaten to become shaky, and many can already tell long stories about their old crowns and other dentures. For these many people, purchasing supplemental dental insurance makes sense, and it’s imperative that you do so before your next visit to the dentist. To back up your decision somewhat with facts, we at Stern have put together a small checklist for objective self-assessment:

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