Having insurance has become a necessity of life. So be it a medical insurance or a dental insurance, most important thing is that you have to have insurance for a secure life. There are different confusions among the people about medical insurance and dental insurance. There are lots of companies that offer these insurances but each company has a different policy for medical and dental insurance. The main difference between these two insurances is that medical insurance provides insurance for anesthesia and surgery center services while dental insurance provides insurance for your dental related problems.
Dental insurance has more benefits than a medical insurance because medical insurance will only pay for the dental care which is provided under anesthesia, under certain conditions.
While a lot of companies offer attractive insurance policies, it is also important on our side to keep our teeth clean and healthy so that they won’t need any major treatment to undergo. Therefore, one should visit their respective dentist regularly. There are many dental clinics running their business successfully, with total satisfaction from every customer. These come under the category of the best Dental Clinics in Al satwa
Why is it Necessary to Know the Difference?
One should know the difference between Dental and Medical insurance so that they have the knowledge of what to get and reimburse more benefits. There is a chance that medical and dental insurance companies may not pay for what the other one doesn’t cover.
Some medical insurance plans provide different benefits to outpatient surgery bills than the bills for clinic procedures. And these benefits change, depending on how much you owe. You may be responsible for paying a percentage of the bill additionally to your deductible and co-pay amount. The situation will remain the same even if you are treated in a hospital. The only thing that can be different will be your bill from the surgery center which may be less because their reimbursement from insurers is around 56% of what is reimbursed to a hospital.
Consider an example that you have a 10% coinsurance. Now, the rate of reimbursement is $6,000 to the hospital, but to the surgery center, it is $2,000. Then, in this case, 10% of your hospital bill will be $600 as opposed to your 10% of the surgery center bill which will be around $200.
Dental Insurance or Medical Insurance?
The main motive of dental insurance is to stop the problems before they even begin. How exactly does this happen? What dental insurance does is that it encourages the patients to bring their children regularly to the dentist for teeth cleanings, fluoride treatments and different dental check-ups. Best Dental Clinics in Dubai are where you can visit to solve all your teeth related problems. Whereas on the other hand, medical insurance does not focus on prevention of the problem, it focuses mainly on the after effects of the problem where it covers the huge expenses required after an injury or illness. Therefore, the overall cost of medical insurance gets higher.
If you think you don’t have healthy teeth, you must get insurance right away. But, if you think you and your family’s teeth are healthy enough that you don’t have to get insurance. However, you need to get your teeth checked up once in a while.