Source : http://www.legalserviceindia.com
Author : legalbharat
Published on : August 05, 2015
what is Dental Insurance?
A human body is a much complex formation than it seems and taking good care of each and every of its elements seems to be an essential task. It’s a predominant thought that “prevention is better than cure” and it equally applies with one’s teeth’s though they just seem to be that ordinary set of bones that are clearly visible from outside of a human body. A minimal hole in a tooth can cost a greater trouble and hence one must think of a routine checkup at the dentist’s place. The dental diseases are so common these days that being protected by a dental insurance cover does not seems to be a bad option. It is a wise step for any individual or a family. Much similar to ‘life-insurance’, a dental insurance is quite unique. Firstly, it is low cost and hence is affordable and secondly, a dental insurance in general pays for your regular check-ups hence its protection benefits tend to start immediately without any delay. Apart from these, a dental insurance covers a wide range of services including the terms of emergency care and other treatment procedures that might cost you a big hole in the wallet in case not insured. A dental insurance plays the part of a legal agreement between the insurance company and the customer whereby the company lifts the liability of the dental bills falling on its customer. In normal circumstances, a dental insurance company will play its part for as much as 80 percent of the total bill raised. However the terms and conditions with most of the insurance companies vary and there arises the need to double check the dental insurance agreements. It’s a wise step to be fully aware of what your dental insurance covers and what it skips. Traditionally, dental insurance plans were covered under the healthcare packages that were being provided to the employees working at bigger companies, however this practice has been quite abandoned these days.
Preventative dental care
In times where a person successfully secures his dental insurance, one thing he has to make sure and that is a routine checkup at the dentist which can be made once or twice a year. So in case where the individual is fulfilling all the monthly or yearly premiums, it comes within his obligation to routinely visit a doctor so as to make the preventive side done. These initial and effortless steps will help him down in preventing major money clashes in case any future dental accident occurs. By this we presume we have answered this question successfully as to why an individual needs to have a dental insurance because tooth related problems are hard to ignore in case no preventive cover has been maintained as a person relies completely on his teeth and gums for every eatable or drink hence one cannot go dental problem untreated. However in today’s world, people hardly go for insurance and lesser than that opt for dental insurances. One of the major concerns before this is the high cost of insurances covers.
Why it is needed?
The most ordinary answer to this question is that treatment of any dental problem may prove expensive. Hitting on the priority, the most preferred second reason is that dental problems are hard to ignore. Every year, people do visit to the dentists for the purpose of treating their tooth and gum problems and the same may happen for a complete family. Hence one should be prepared for the costs to incur in case their dental insurance plan is missing. Preventive care does involve routine dental checkups and the cleaning processes which can alone do the most of a healthy living. Dental care procedures on the other hand are cheap as compared to the medical care insurances as they need to ascertain the fees of heavy medical tests and treatments. Dental plans are also available online and are easy to use.
The Indian scenario and the International Comparison
There are various countries where the system of oral health care is not defined and articulated in a proper manner which needs to have an efficient system of derived goals and purposes. The dental schools in India normally offer a post graduate program i.e. MDS (Master of Dental Surgery) and the most of minimum qualification for this is a BDS degree (Bachelor of Dental Surgery) which is a five year course and does includes in it a year of internship. The Dental Council of India governs all the above mentioned procedures. In Indian markets, Community dentistry is the other name given to Public Health Dentistry however only a few dental schools in India are aware of this and its meaning is limited to increasing the number of patients admitted in the hospital. Another characteristic of Indian scenario of Public health dentistry are the ‘dental camps’ that are conducted among the poor and the needy in the rural areas and are basically attended by the MDS & BDS people. However these dental camps are organised only to refer the patients to the hospitals where they shall be treated and no treatment is offered to them itself in the rural background. The public health dentistry has till date been treated as a misguided procedure in the Indian dental schools and the same was surely drafted back in 1985 by the ‘oral health policy’but lacking implementation as compared to other countries. In United Kingdom, the health services are one of the most cost efficient procedures in the world where the treatment facilities are being provided under the jurisdiction of safety. In UK, Community dental Service forms an essential part of health promotion scheme. In Sweden, various target groups have been formed where special concern is being shown for the old aged people, the handicapped and the poor. A similar scenario is being presented in the country of Norway. In these countries, special extended services are availed in the areas where there are less practitioners or where a scarcity of dental clinics is an important concern. Again in Netherlands, free and full dental care is being provided to the individuals below 19 yrs of age under its policy of National Dental Insurance. Also the country avails the facility of the treatment to the adults at lower costs under this policy of Insurance. An organised system of health care does exists to some extent in most of the Latin countries where services are rendered collectively by the public and private practitioners. In Latin America, almost seventy percent of the population relies on public services as compared to the private one. However the sector is badly structured and the quality and efficiency of services are not up to mark as compared to the private sector services which are not preferred by the people due to its price difference. Finally, the majority of the government in the region is involved in the process of privatization of the dental sector and hence reliving out the government participation.
What is a dental plan?
Most of the dental plans being offered are not by nomenclature policies of health insurance as some do provide for specific discounts at a certain provider of health care service where at the end of the treatment, the customer has to pay for the services of the doctor and later on, the dental plan company does refunds a certain level of discount on the payment made to the doctor. Hence we can guess a general description that every company does not provide a similar type of dental plan. However, most of the dental plans do have some common features such as discount on the cost of service, reference to a specific doctor or to a number of specific doctors being prescribed by the insurance plan, cost free examination of the problems etc. If we talk about the latest dental insurance plans, they are quite different as compared to the traditional plans. Traditionally, the system of paying monthly premiums was present where the customer was required to submit a monthly premium and then only he was eligible to be covered by the insurance plan. However, the latest dental insurance plans do work much similar to the health insurance plans where a quite categorization is made out on how the bills of the doctor shall be bade and what shall be the benefit of selecting that one doctor over the others who shall be treating the customer under the dental plan. While one has to review the best dental plan available out in the market, some of the major considerations should be-
Coverage’s that a dental plan can offer:
a) Most of the dental plans are ‘preventive’ in nature where the insurance covers routine examinations and cleaning of the teeth and gums. Other basic services may also be offered depending upon the type of dental insurance selected.
Prevention is considered better over cure.
While trying to chalk down some of the major differences between a ‘Dental Plan’ and a ‘Dental Insurance’, one landmark differentiation can be surely made and that is, a ‘dental plan’ works majorly on the prevention of the tooth and gums related diseases while a ‘dental insurance’ deals with the cost cutting of the future illnesses. However, one of the major proportions being advised in the favor of health science is that ‘prevention is better than cure’ and this statement fits equally for the dental related diseases. This is because, dental diseases are much easier to prevent and a routine appointment with the dentist will do the need. Another argument favoring the dental insurance is that they are quite cheaper as compared to the health insurances as the procedures involved in a dentist clinic are not that complex as compared to an ICU of a hospital. Hence the patients must be encouraged to go on with a dental insurance which fulfills most of their needs. The IDA (Indian Dental Association) from a long synapse of time is striving hard to complement an oral dental policy which can work throughout the regime of India. However, nothing substantial has been attained since years of attempt. Dental health insurance is the only policy present till date that is cost effective and has been preferred in the favor of the individuals. It also fulfills a good source of motivation to the next generation of people where they keep attending the dentist’s clinic in order to prevent future concerns.