Dental disease data in Israel suggest that millions of people require various levels of dental care – from easy and basic treatments such as fillings, extractions or plaque removal, up to more complex restorative treatments such as crowns, dental implants or gum surgery. However, despite the high cost of dental treatments, only about 13% of Israelis hold basic dental insurance either privately or through their workplace, and only about 8% are insured for expenses of restorative treatments and gum surgery.
Why should we have Dental Insurance?
When it comes to our health, the financial consideration is not the most important one since naturally it is important for us to receive treatment and good service. The policy itself is considered expensive since in the private sector, the offered policies include high premiums. This is because insurance companies assume in advance, and rightfully so, that we will all eventually require dental treatment. Dental insurance was intended to relieve, even partly, the problem of funding dental treatments which are usually expensive, hence their great importance and necessity. Private insurances purchased from insurance companies grant a basic plan for covering the costs of preserving treatments. The basic insurance covers common and ongoing dental needs such as examinations, fillings, extractions, X-rays, plaque removal, root canal treatments as well as emergency treatments. Usually it is possible to expand the policy so that it also includes, even if partly, more complex and expensive procedures such as crowns, bridges and orthodontics, dental implanting under full anesthesia, which is a complex treatment which enables performing several dental implants in a single day instead of a continuing series of treatments, and so on.
It is important to know that the location of the treatment is irrelevant – the patient can decide to undergo dental implanting in Tel-Aviv or in Haifa, and the price of the policy should be identical. In addition, the insurance is intended for all ages, is not conditioned on a preliminary examination, and usually does not require a waiting period or high deductibles.
The Basal Implantology Center is not an “agreement clinic”, meaning it is not bound in direct working agreement with dental insurance companies. However, insured persons have a right to receive treatment in any dental clinic of their choice and to receive refunds in accordance with the pricelist of their insurance company. Nowadays, various insurance companies in Israel, such as Harel, Dikla, the Phoenix, Shiloah, Clal, Migdal, Menorah and more, offer different dental policies. In order to receive a refund, the insurance companies require that the treatment be done by a dentist with an Israeli specialist certificate. At the Basal Implantology Center there is a team of specialist dentists including in the area of dental implanting, from relatively simple procedures up to complex procedures such as dental implanting for people with bone deficiency, basal implanting and more.
The Differences between Private and HMO Dental Insurances
Dental insurance at the HMO was intended for anyone, at any health condition, and there is no need for medical underwriting. The payment for the insurance is unison based on age groups, compared with insurance companies in which the premium is determined based on the health condition of the insured person at the time of purchasing the policy. The HMOs can amend the insurance regulations from time to time, and also update the rate of payment by insured persons, unlike insurance companies which offer pre-made policies.
Private Dental Insurance
Private dental insurance constitutes part of the health insurance, and usually can be purchased in two main routes:
- Preserving insurance – includes photographs, root canal treatments, extractions, plaque removal and first aid.
- Restorative insurance – includes everything provided by the preserving insurance in addition to teeth restoration (dental implants, gum surgery, dentures, crowns, children’s dental treatments and more).
It is important to note that esthetic treatments are not included in dental insurances. In addition, private dental insurance includes a long waiting period, and it is best to inquire in advance, before purchasing the policy. With regards to dental implant insurance, it is important to note that the matter of damage to implanted teeth is wide since there are many types of damage. Dental implant insurance will specify exactly when and under what circumstances the insurance company will provide coverage and compensation, and it should be inquired before purchasing the policy, since each insurance company treats this matter differently.
The prices of dental insurance policies vary between companies and between types of insurance, therefore it is important to examine well what each insurance company offers, and whether the policy suits your needs and the medical history in your family.