Definition of pre-existing dental work
Our dental plans do not cover any treatments or procedures officially recommended or prescribed by a dentist before the activation of your policy. Events falling into this category are considered pre-existing and are not insurable. Examples of such situations include:
Purchasing the policy after receiving a dentist's consultation, where you were informed that a specific dental treatment is necessary for a particular tooth
Purchasing the policy to seek support for ongoing dental treatment that is already scheduled (e.g., existing treatment requiring follow-up care to be considered complete)
Initiating or completing treatment before enrolling in the policy and attempting to make a claim for it
Orthodontic devices (like braces or a retainer) created before having a policy are considered pre-existing and do not qualify for coverage for maintenance (if eligible)
Only recommendations for treatments made by a dentist after activating the policy are considered insurable events and can receive support from our dental plans.
What is not considered as ongoing or pre-existing dental work?
Routine dental cleanings are never considered pre-existing treatments, as they are recommended by all dentists as part of standard dental care.
Dental work from the past is not considered pre-existing as long as it was fully completed before purchasing the policy and was paid for. If a new issue arises with old dental work after the policy's start, you may be eligible for benefits within the scope of your policy. For example, if you had a cavity filled years ago, and that filling starts to decay, requiring replacement, you can receive benefits as long as the new issue with the cavity emerged after your policy was active.
Experiencing dental pain or discomfort without knowledge of the issue or needed treatments is not classified as a pre-existing dental treatment. It is only considered pre-existing if you visited a dentist and received a treatment prescription for the pain before having an active policy.