We may have heard about it during our past dental appointments. Or we may have seen it on the ads that dental health insurance companies have around our area. But what is a no gap dental policy? How does it work and how would it help dental patients in getting dental healthcare conveniently?
No gap dental policy: First, what is a gap?
A gap is a fee that you have to pay during a dental procedure or consultation when your dental insurance already paid for its share on your total expenses.
No gap dental policy: What is it then?
A no gap dental policy is a unique dental benefit that allows patients to visit any affiliated dentist’s practice without paying any out-of-pocket charges for routine check-ups, teeth cleaning, radiographs, fluoride applications, and other dental procedures that your particular insurance company covers.
No gap dental policy: How does it work?
If your dental health insurance has a no gap dental policy, it is now possible for you to have access to a long list of dentists who have agreed to perform dental procedures without charge! It is your dental health insurance who will pay for all basic dental procedures you received if those services are listed in your insurance policy.
No gap dental policy: The procedures covered
Different dental health insurance companies offer different dental coverages. Here are some of the most common necessary dental procedures that most insurance companies include:
- Initial consultation
- Teeth cleaning (scaling, basic oral prophylaxis)
- Basic dental fillings
- Fluoride application
- Provision of mouthguards
- Preventative consultations
No gap dental policy: Things to consider
Although a no gap dental policy is a benefit everyone wants to have, there are some considerations we need to keep in mind when choosing the dental health insurance we want to get.
- Not all dental policies are the same. Every dental insurance company provides different coverages and have different services to offer. Be mindful of their difference and ask questions when needed.
- What are the covered dental procedures? You must be aware of the dental services your no gap dental policy is willing to cover. This information should be discussed with you before you choose where to get your health insurance. Make sure your chosen or preferred insurance covers the dental procedures you need.
- Is your dentist covered? No gap dental policies have a roster or list of accredited dentists who are eligible to perform covered dental services. If your health insurance does not cover your dentist, then the dental benefit policy is useless.
- What is the limit of your dental benefit? A no gap dental policy has a specific benefit limit. The insurance company will pay for your entitled dental services until you reach this limit. Know how much your benefit limit is and determine if this is enough to cover your common dental procedures.
Armed with this information, anyone who wants to make their dental health a priority can now make it affordable and convenient. It is your responsibility now to choose your dental insurance wisely and use it according to your needs.