Dental insurance can act as a godsend. At the same time, you may worry about the gap between what your insurance covers and what your dentist charges. This is where gap-free dental services come in. If you're yet to try using one, now's the time to learn more about them.
What is no-gap dental insurance?
No-gap dental insurance covers the out-of-pocket expenses that come with general and preventative work. For example, you may visit your dentist for a routine checkup. If your dentist decides that you need fluoride treatments or professional cleaning, the cost of those could fall outside of your usual policy. Because those treatments have the potential to prevent further dental problems, no-gap insurance could cover them so that you won't find yourself out of pocket.
Does everyone offer no-gap insurance?
Not everyone offers this insurance, so if you're going to take advantage of this product, you need to make sure you're using a participating dentist. It's also worth considering that the types of services covered by this form of insurance can vary between practitioners too. However, in many cases, they're broadly the same.
What can prevent you from using no-gap services?
Unfortunately, if you max out your annual monetary or service limit for your private insurance, you may not be able to use a no-gap service. Similarly, if you're behind on your insurance payments, then you may find that these types of services aren't available to you. Where either of these cases applies, you'll need to cover out-of-pocket expenses yourself.
How do these services benefit you financially?
Preventative treatments go a long way in the dental world. Each time you use one, you're reducing your risk of developing a more complex dental problem further down the line. For example, regular cleaning can prevent gum disease, which can then prevent an abscess. Each time you prevent a dental condition, you're reducing the amount you spend on out-of-pocket expenses and dental insurance.
How does no-gap dental benefit your health?
Preventing various dental conditions can save you from encountering pain and discomfort. There's also evidence to suggest that having healthy gums reduces your risk of heart disease. In extreme cases, avoiding issues such as abscesses reduces your risk of encountering sepsis.
Before trying no-gap dental services, make sure you consider their limitations. For example, you'll likely find that they don't cover x-rays. By making such considerations, you make it easier to plan your finances while using dental services.
