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Dental Insurance
Basic Dental Services
Subject to the limitations and exclusions stated within this policy,"Basic Dental Services" covers the following:
a. complete dental examinations once per three(3) policy years.
b. limited oral examination procedures, recall and specific examinations will be subject to a combined maximum of two(2) examinations per policy year(emergency examinations are unlimited).
c. dental x-rays:
- 1. One of either a complete series or panoramic x-ray per three(3) policy years.
- 2. Intra-oral and extra-oral x-rays to a maximum of ten(10) films per two(2) policy years.
d. Treatment Planning and consultation.
e. Diagnostic Casts once per three(3) policy years.
f. Scaling, to a maximum combined with periodontal root planing of ten(10) time units per policy year.
g. Periodontal root planning, to a maximum combined with scaling of ten(10) time units per policy year.
h. Polishing, two(2) times per policy per year.
i. Topical fluoride treatment, two(2) times per policy year.
j. pit and fissure sealants, once per tooth per lifetime for dependent children under eighteen(18) years of age.
k. protective mouth guards, one(1) per policy year for dependent children under sixteen(16) years of age and one(1) per three(3) policy years for adults.
l. Space maintainers and maintenance when a dentist has removed a primary tooth and an appliance is used to maintain space for a permanent tooth.
m. interproximal disking of teeth.
n. Occlusal adjustment and equilibration, to a maximum of four(4) time units per policy year.
o. Basic restorations of teeth including caries, trauma and pain control, amalgam restorations, prefabricated restorations, and plastic restorations.
p. Endodontic treatment for permanent teeth including treatment of the pulp chamber, root acanal therapy, periapical services, miscellaneous surgical services(root amputation, hemisection, replantation, and perforations), and miscellaneous endodontic procedures(open and drain and non-vital bleaching), root canal therapy is limited to one(1) per tooth per five(5) policy years.
q. Non- surgical periodontal services includingmanagement of oral disease and desensitization.
r. Non- surgical periodontal services including gingival curettage, gingivoplasty, gingivectomy, and flap approach, each type of surgery is limited to one(1) per site(sextant) per policy year.
s. removable prosthodontic services including denture repairs and additions, tissue conditioning for dentures and miscellaneous dental services(resilient liner and resetting of teeth).
t. Dental relining and rebasing, once per three(3) policy years per arch.
u. Denture remakes, when a replacement partial denture would be eligible for coverage.
v. fixed prosthodontics repairs including replacement repairs, removal of existing fixed bridge/prothesis, reinsertion, re-cementation, and fixed bridge/prothesis repairs.
w. Basic oral surgery including erupted teeth extractons, surgical extractions, surgical excisions, surgical incisions, and post-surgical care.
x. Anaesthesia.
y. Dental appliances for the control of oral habits(including Bruxism), one(1) per policy year for dependent children under sixteen(16) years of age and one(1) per three(3) policy years for adults.
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Dental Care Benefits
Up to $1,000 per person per year. You'll be covered for checkups, cleanings, x-rays, fillings,dentures, crowns, bridges and more. The biggest benefit will be your smile!
Also covers - Ambulance, Casts and Crutches, preferred Hospital room, Private duty Nurse, in hospital drugs, accidental injury to natural teeth, wheelchair, artificial Limbs,Patient walkers.
The Objective of Insurance coverage is to enable you to avoid getting bothered for your expenses which might be untimely occouring for your dental treatment.
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| Simply check our Dental Insurance forum for more answers and fill in your own questions and queries to be sorted out by our experts |
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