Here’s how to finance dental replacements and restorations
Having beautiful and healthy teeth is becoming more and more a matter of money. Bridges, crowns or implants are an expensive investment that can represent a major financial burden due to the high co-payments of patients with statutory health insurance. What options are there for financing these dental visits?
Since 2005, health insurance companies have only paid a certain fixed allowance for dental bridges, crowns and implants as part of the standard treatment. This amounts to about half the cost of the treatment. The higher co-payments mean that more responsibility is transferred to the patient. But if such a treatment should really be necessary, the claimed co-payment is for many hardly affordable. Even with supplementary dental insurance, this can still be 20 to 30% – not everyone can easily pay for that. Most completely forgo the necessary treatments instead of exploring possible financing options.
How useful is a supplementary dental insurance?
Statutory health insurance companies only pay about half of the costs incurred for dentures. Taking out supplementary dental insurance in good time can therefore make a lot of sense in order to save money. The regular contributions can usually reduce the personal contribution to about 20-30. Without such insurance, you can easily expect to pay several thousand euros per implant. When concluding such a contract, it is important to make sure that not only the dental prosthesis services are correct, but that so-called augmentative services are also included. This is the only way to ensure that additional measures, such as jaw augmentation with an implant, are also covered.
The credit at the house bank helps to beautiful teeth
Taking out a loan to finance a dental prosthesis is one way of paying off high medical bills. In most cases, favorable interest rates can be agreed. With good creditworthiness, advisors rarely resist granting a loan. Healthy, shining teeth are, after all, a matter of health, but they also contribute to a well-groomed appearance, which can be decisive for a career. With a loan comparison, the best conditions can be found to help the new teeth get off the ground.
Agree on payment in installments with the dentist
A good alternative to taking out a loan may be to talk to the dentist about financing before treatment to arrange installment payments. The conditions here are often even better than with the credits of the house bank. If you can pay your bill over a period of about six months, the dental prosthesis treatment is less of a burden on your wallet.
Regular visits to the dentist pay off
No patient should be indifferent to the bonus booklet. After all, it should encourage everyone to actively participate in the maintenance of their teeth. Regular check-ups with the dentist are also important in order to prevent oral and dental diseases. These visits are recorded in the bonus booklet, which is available directly from the dental practice. At the same time, this little piece of paper helps to save money. Keeping this little book is not compulsory, but it is recommended for every patient with statutory health insurance. It pays off especially when a tooth replacement becomes necessary. The presentation of a regularly kept bonus book guarantees the owner an extra allowance, in addition to the standard rate paid by the health insurance company. Those who have kept their check-up appointments without any gaps in the last five years can look forward to a bonus of up to 20% of the fixed allowance. If appropriate controls can be proven even over ten years, this bonus rises to 30%. The patient should remember to have each visit to the dentist confirmed by a stamp in the bonus booklet. Stamping later can prove to be complicated. But this documentation must be continued without interruption. If examinations are missed in a year, the owner has to start all over again. Should it really come to it that dental prosthesis is needed, one is pleased however about the undertaken expenditure – if the bonus booklet and the regular controls do not even contribute to the fact that this does not become necessary at all.