What is dental insurance?
Dental insurance pays a portion of costs associated with preventive, minor, and some major dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).
Most policies are straightforward and specific regarding what procedures are covered and exactly how much you have to pay out-of-pocket. Dental insurance is available as part of medical insurance plans or as a standalone policy.
How do I get the cheapest dental insurance?
Everyone wants to protect their teeth health and peserve their smile without taking too much money of their pockets. But managing your routine dental costs, while also getting financial insurance for major treatment and emergencies is a real challenge.
Finding cheap health insurance can be hard - take a little time and effort- but it's certainly an investment that should pay solid returns over time. Not only do you have a variety of options to choose from, you also have to consider a number of factors besides price before signing any agreement.
To find a good dental insurance offer it is recommended that you follow these steps: understand your alternatives to buying individual/family/group dental insurance and determine exactly what you need in terms of cover and what you can afford. This way you won’t get unecessary cover and will only pay for your personal choices.
If choice of provider is important to you, make sure you look carefully at the provider networks for each dental insurance plan you're considering. InsuranceDeals will show you the dental insurance options available in your county along with the premiums.
Log on to InsuranceDeals.ie to find out which companies offer dental insurance and what are the available plan options. Make a list of the top-rated insurance companies, contact them, and get your life insurance rates. Compare the costs of each plan, and not just the premium prices. To truly find cheap dental insurance you need to consider all costs associated with the purchase. Remember that the best policy is not necessarily the cheapest one. So, choose a policy that covers your needs and suits your budget at the same time.
How does dental insurance work?
An insurance plan is meant to absorb risk - the risk that you’ll need to have a tooth pulled, for instance, or to get a root canal - and cover costs accordingly. Generally, dental policies cover some portion of the cost of preventive care, fillings, crowns, root canals, and oral surgery, such as tooth extractions. They might also cover orthodontics, periodontics (the structures that support and surround the tooth) and prosthodontics, such as dentures and bridges. You’re usually covered for two preventive visits per year.
Dental clinics usually have a fee schedule, or a list of prices for the dental services or procedures they offer. Dental insurance companies have similar fee schedules which is generally based on usual and customary dental services. The fee schedule is commonly used as the transactional instrument between the insurance company, dental office and/or dentist, and the consumer.
What are the Dental Insurance Providers in Ireland?
The dental insurance providers in Ireland are:
- Laya Healthcare.
- DeCare Dental.
- Royal London
- Friends First
- Irish Life
- New Ireland
- Zurich Life
- Acorn Life
What is the best dental insurance provider in Ireland?
There's no best Insurance company. The best dental insurer is one that meets your specific demands regarding cover, benefits, service, underwriting, claims - add ons - and price.
In other words, the best company is one that in addition to the basic guarantees, offers you the option to include additional services and covers and fulfills the role of providing financial protection - pays a portion of costs associated with preventive, minor, and some major dental care.
What is the best dental insurance package in Ireland?
InsuranceDeals should be the first stop. The website gathers information on all insurers and insurance products available in the market, which enables you to analyse the options and make the best decision.
If necessary you should also ask your insurance company for further information. Make sure you get all the answers you need. It is essential that you understand every detail of the plan you are signing up to, that everything is clear.
Check exactly what cover, services and facilities are at your disposal: clinics, cover, deductibles, exam centres near where you live. If you’re happy that the plan meets your requirements, then sign up.
Log on to InsuranceDeals.ie to find out which companies have the best package options. We have partnered with leading insurance providers in Ireland. So get the best travel insurance policies and save money by changing today!
Does Dental insurance go up every year?
Yes. As with other insurance products, dental insurance can go through annual readjustments. Your premiums and deductibles may increase. And this is one reason to you use your benefits before the end of the year. Dentists may raise their rates at the beginning of the year due to the increased cost of living, materials, equipment and regulations. Thus, if you need to see a doctor for any reason, you should do it while your current rates, as it could potentially go up in the following year.
How do I claim dental insurance?
When filling out a dental insurance claim you need to be very careful: fill out the form correctly and attach the necessary documents to ensure that your dental company does not deny your claim. But the effort is worth it, because that way, the chances of your claim being accepted are greater. If you need to file a claim for the dental insurance, here are some steps to take to this:
- Download or request the claim form for your dental plan;
- Complete the patient and subscriber information on the claim form.
- Provide a copy of the dentist's statement of treatment or a detailed receipt - name, address and complete phone number of dentist;
- Date each service was performed;
- Description, procedure code and fee of each service performed;
- List of affected teeth;
- Total cost of services performed;
- Dentist's National Provider Identifier (NPI);
- Dentist’s Tax Identification Number (TIN);
- State license number;
- Specialty code.
Note: make a copy of the completed claim form and the dentist’s statement of treatment or detailed receipt for your records. Mail the original copies of the completed claim form and the dentist’s statement of treatment or detailed receipt to the address printed on the claim form. Companies usually process claims within two weeks if all the documentation is correct. You can also choose how your proceeds will be paid - there are two ways you can claim your dental benefits. They are through: Dentist Direct Pay and Pay and Claim.
Why should I have dental insurance?
Because your mouth matters – both aesthetically and to maintain good health. Good dental care is a crucial part of your overall physical health, because other systems can be affected by your oral health. Taking good care of your gums, for example, helps prevent heart disease. Just as oral health is very important, so is dental insurance as it provides a means of payment for preventive and acute care.
How can I get free dental insurance?
Through the Health Service Executive (HSE). The HSE provides some free dental care to certain citizens through the public health service. The Dental Treatment Services Scheme (DTSS) provides access to dental treatment for adult medical card holders (aged 16 or over). Medical card holders are entitled to a free dental examination in each calendar year, as well as any extractions that are required.
Some basic treatments such as root canal and fillings are available - covered in each calendar year. Others will only be covered where the dentist is satisfied as to the clinical need, as is the case with denture repairs and some other procedures. All other treatments, including dentures, require the prior approval of the local HSE dental surgeon.
To get full dental treatment you need to purchase an insurance policy and pay the premium. Log on to InsuranceDeals.ie to find out which companies offer dental insurance and what are the available plan options. We have partnered with leading insurance providers in Ireland. So compare the costs of each plan- and not just the premium prices, and choose a policy that covers your needs and suits your budget at the same time.