Dental health and health insurance

Dental insurance & dental health care | nib

It’s debatable whether the treatment of dental-related issues is included in general health insurance policies. Majority of persons don’t consider it a priority to visit a dentist as often as they visit their doctors for a check-up. The assumption is that the doctor has assessed their dental health during the check-up. This is not always the case; visiting your dentist is essential as dentists offer specialized check-ups to your teeth and gums, ensuring dental health free of complications. On the other hand, a lack of check-ups on your teeth can cause various issues to arise, resulting in losing lots of money in your treatment. Having a regular check-up by your dentist will help reduce these issues. Health experts recommend that one visit a dentist twice a year to get their teeth cleaned and get any other necessary check-up. In addition, if you get other tooth complications such as toothaches, bleeding gums, and jaw pains, you should visit a dentist for appropriate treatment. Some of the ways you can keep your teeth healthy are by:

  • Brushing your teeth twice a day. This helps remove the bacteria that is in your mouth due to excess sugars from food.
  • Mouthwash and flossing. In addition to helping get rid of food pieces stuck in your mouth, flossing helps in gum stimulation and lowers inflammation. Regular mouthwash reduces acidity in the mouth and thus ensures healthy teeth.
  • Maintaining a good diet. Reduce your Consumption of foods that have a lot of sugars. Sugars lead to poor-quality teeth. Foods that are rich in fiber are highly recommended, such as crunchy vegetables.

By adhering to these practices, you can reduce dental problems. Statistics indicate that the most common cause of dental issues is taking unhealthy diet. Particularly foods with lots of sugars. Dental care procedures and treatment tend to be costly both in private and public hospitals. Insurance companies, therefore, have included dental plans in their insurance policies. Newbies tend to ask themselves how to get health insurance. You can find reputable health insurance by using online review sites. From the sites, you will see customer complaints. Avoid companies with lots of complaints, especially if the complaints are all on the same issue.

Some dental health plans are covered under the general health insurance policy and are discussed below

  1. Tooth fillings.
    Dental fillings are done on a decayed tooth to prevent further decay of the tooth. Materials like composite resin, amalgam, and porcelain are used in the restoration process. Failure to fill a decayed tooth can cause it to decay completely, requiring the tooth to be extracted completely, which is costly. It is thus essential that immediately you discover a cavity on your tooth, visit your dentist to have it cleaned and filled with restorative material. The general health insurance coverage covers this dental procedure.
  2. Cleaning of teeth
    Practically, cleaning of teeth involves the removal of tartar and plaque from the teeth. A combination of food particles and saliva forms plaque that sticks and hardens on your teeth. If plaque stays for an extended period without being cleaned, it forms tartar which attacks the enamel damaging it. A dental tooth cleans-up typically involves a dentist cleaning the plaque and tartar on your teeth by scraping them off using a scaler. An electric brush can also be used, and after that, the mouth is rinsed with a mouth wash containing fluoride. This process can give your teeth up to six months of protection and is covered by your general health insurance.
  3. Extraction
    Tooth extraction is done to a severely damaged tooth due to factors such as tooth decay or tooth infection. In tooth extraction, a dentist uses a local anesthetic to get the area around the affected tooth numb. The tooth is then loosened using an elevator and removed using a pair of forceps.

In conclusion, these three procedures are among the few covered by the general health insurance cover. However, the dental plans found under general health insurance may have very low annual benefits and maybe easily exhausted if the patient has complex dental issues. This might force you to incur extra costs to cater for treatment. It is therefore essential to get yourself an independent dental insurance plan. This will ensure that you have most of the potential dental problems likely to occur covered. It will also cover a higher amount of dental health check-up costs. Dental problems can lead to other chronic issues like severe headaches, heart problems, and diabetes. They should thus not be taken lightly.