Dental health insurance and Wisdom teeth

Cuddlesworth

Hello,

I'm pretty sure I need to get my lower Wisdom teeth out, possibly upper. They are growing at a angle towards the rest of my teeth and I can see the effects on the rest now.

My question is, if I got insurance then visited a dentist, would the insurance cover the cost of the operation?

seamus

Most insurance policies have a wait period before you can make a claim, if you've never been covered by any health insurer before. It varies depending on what kind of claim you're making, I think 13 weeks is normal.

If you've already been diagnosed with the problem before getting insurance, they probably won't pay for any surgery.

But if you get the insurance, wait the prescribed period and then go get diagnosed, they'll pay for it.

Cuddlesworth

Looks like its a year. Don't think I want to wait that long.

ballsymchugh

erm... what effects are you seeing??
unless they're causing you pain or causing the tooth in front to decay at the back of it then i'd leave them be.

btkm8unsl0w5r4

If you know about it its a preexisting condition and will not be covered.

day dreamer

You may not need the extraction unless there is decay, pain or infection then leave the tooth there. Before taking out insurance for this go to your dentist and look for advice

lilmissmoo

I've just found out that i need to get my wisdoms out,

They're very badly infected and they're gonna bring me in next week, i have full health insurance but apparently they don't cover all costs and clinics.
I said this to the secretary in the northbrook clinic in ranelagh, dublin.
she said that if thats the case she'll give me a med2 form which means that the tax office will give me about 60% of the costs back.

If you're in pain and worried about your other teeth moving i'd get them looked at sooner rather than later because you could wait a year and then find out that your insurer doesn't cover you anyway.

Hope this helps.....

day dreamer

Hi

the tax relief is only 20% of what you pay not 60%. If you have the insurance it should cover most of the costs but your surgeon will explain all the costs involved beforehand.

lilmissmoo

Oh i taut the secretary said 60%.

Either way, if you don't have insurance and is necessary to get done, at least you will be entitled to some money back.

Terri26

I am getting my wisdom teeth out. I had to pay the first conultation fee with the surgeon for him to look at my xray and say yes he will do them (200e) and will have to pay 100e for a check up afterwards. The actual surgery is covered apparently