Our dental insurance does not cover dental treatments recommended or prescribed before policy activation; these are considered pre-existing and not insurable. Treatments recommended after the policy start are covered. Routine cleanings and previously completed dental work are not pre-existing. New issues arising after the policy start related to old dental work may be eligible for coverage.
What dental treatments are classified as ongoing, planned, or recommended under our dental insurance?
Our dental insurance plans do not cover treatments or procedures that were recommended or prescribed by a dentist before your policy became active. These treatments are considered pre-existing and are not eligible for coverage.
What are some examples of pre-existing dental treatments?
Pre-existing treatments include:
Receiving a dentist's consultation before purchasing the policy in which a specific dental treatment was recommended.
Having a dental treatment already scheduled or underway before your policy becomes active, including any follow-up care required to complete that treatment.
Starting or finishing dental treatment before enrolling in the policy and then attempting to file a claim for those treatments.
Having orthodontic devices such as braces or retainers fitted before the policy start date; maintenance for these devices is not covered if they were created before your policy became active.
What dental treatments are not considered pre-existing or ongoing?
Routine dental cleanings are never classified as pre-existing treatments since they are standard dental care recommended regularly by dentists.
Completed dental work from the past is not considered pre-existing if it was finished and fully paid for before you purchased the policy. If a new dental issue arises after your policy starts related to previously completed dental work, such as a filling that needs replacement due to decay, you may be eligible for coverage under your policy.
How is dental pain or discomfort treated under the pre-existing condition rules?
Dental pain or discomfort alone is not pre-existing unless you knew the cause and had a treatment prescribed by a dentist before your policy was active. If you experience pain without prior knowledge or diagnosis before policy activation, subsequent dental treatments may be eligible for coverage.