Many people wonder, “If you have medical insurance, do you have dental coverage as well?” The answer to this question can vary depending on your specific insurance plan. In general, most medical insurance plans do not include dental coverage. This means that if you have a medical plan, you may need to purchase a separate dental insurance policy to cover expenses related to dental care.
Why Don’t Medical Plans Include Dental Coverage?
Medical and dental care are considered separate entities in the world of insurance. While medical insurance typically covers services related to illness and injury, dental insurance focuses on preventative and routine oral health care. Due to these differences in coverage, medical plans do not automatically include dental benefits.
If your policy provides coverage for one or more of these services, it may be at a smaller percentage. Regardless of the type of Medi- Cal you have, you are able to receive all covered dental procedures as long as you meet all criteria and requirements for the procedures. Dental check-ups are free or low-cost for Medi-Cal members eligible for dental benefits.
It is recognized as one of the major international hubs for dental care in the heart of Southeast Asia. International flights from around the world, and in particular from neighboring countries, make Bangkok’s dental clinics easily accessible for many patients seeking expert dental treatment. Bangkok is the world’s most-visited medical travel destination – and with good reason.
Options for Dental Coverage
If you are in need of dental coverage but only have a medical insurance plan, there are several options available to you:
- Purchase a standalone dental insurance policy
- Enroll in a dental discount plan
- Consider a health savings account (HSA) or flexible spending account (FSA) for dental expenses
To give you an idea about how much different procedures cost in your area, Delta Dental has a cost estimator. The good news is you have options and ways to help you cover the costs. You are now leaving AARP.org and going to a website that is not operated by AARP. Dental services may go over the $1,800 limit if shown to be medically needed. Additionally, Adults can have one dental check-up every year, while children can have a check-up every six months.
It is used as a flavoring and cooling agent in many dental products. The team had to give me the bad news that my implant could not go through as I wanted, and that I had to get a bone graft. But they were professional and had my best interests at heart and the service was excellent. Would definitely recommend and I will return to get my implant placed again.
Premiums for stand-alone dental policies vary based on coverage level and location. Policies generally don’t have preexisting condition exclusions but may require a waiting period before covering some expensive procedures, says Gregg Ratkovic, chief business officer for insurance broker eHealth. One in 5 older adults polled said they had delayed getting dental care or gone without it in the past two years.
Frequently Asked Questions
Q: If I have medical insurance, will it cover emergency dental treatments?
A: In some cases, medical insurance may cover emergency dental treatments if they are deemed medically necessary. However, coverage can vary depending on your specific plan.
Q: Can I use my medical insurance for routine dental check-ups and cleanings?
A: Generally, medical insurance does not cover routine dental care. You would need a separate dental insurance policy for these services.
