Stipulate an health and dental insurance is a common practice to manage risks related to medical expenses and limit the costs; usually, a dental insurance is a part of the health insurance or it may be pledged apart. An health insurance is an agreement between a person, a family or a group and a government agency, a private business or a not for profit entity; the contract can be renewable or lifelong in the case of private insurance, or be mandatory for all citizens in the case of national plans; the way of payment are different depending on its private or public nature.
When stipulated with private agencies, these kind of insurances may complete the local health system services.
Dental health insurance. The differences between the various countries.
In many countries, governments set up health systems and offer health services for basic treatments or depending on the income brackets; sometimes health treatments may not be covered by these programs, and usually dental services are not included. Along with alternative ways in which people can benefit from affordable dental treatments, insurances are a mean to plan dental expense including different needs or emergencies.
According to studies that compare different health care systems, it appears that U.S. system is the most expensive and offers less services if compared with those of United Kingdom, Germany, Australia, New Zealand and Canada. The U.S. system doesn’t have a universal health insurance coverage and, in 2010, it seems that there people have ‘more expenses, more disputes with insurance companies than other countries, and more insurance payments denied’.
Anyway, usually health care systems don’t include dental expenses or may help only in particular cases or for some given classes: for example, in U.K. the National Health System (NHS) offers dental services where patients have to pay a contribution towards the cost of care. These services are emergency dental treatments, like pain relief or temporary fillings, or other different treatments divided into Band 1, Band 2 and Band 3.
Health and dental insurance.
For these and other reasons, sometimes people decide to buy a dental insurance. There are several kinds of insurances, for individual, family or group and usually they are grouped into three primary categories: dental insurance that allows you to see any dentist you want who accepts this type of coverage; Preferred Provide Network dental plans (PPO); and Dental Health Managed Organizations (DHMO) in which you are assigned or select an in-network dentist or in-network dental office and use the dental benefits in that network.