Dental coverage has many details to grasp, so we made an overview of the two available plans. While for many the Basic plan might offer plenty of benefits, others may benefit more from the Advanced dental plan. It is important to consider your own dental history and the coverage you want when choosing a dental plan that suits your needs.
Basic
Though the Basic dental plan provides coverage for most routine dental work, it has a limited coverage for the first two policy years. This plan is generally suitable for someone who doesn’t have a history of many dental problems, and wants coverage for cleanings and the occasional routine treatment such as fillings.
What’s covered?
Professional dental cleanings with a €150 per calendar year limit
Routine dental treatments such as high-quality fillings, root canals, gum treatments, getting fitted for a mouth guard for medical purposes, and pain management treatments (anesthesia for example)
This group of dental work has a combined limit of €300 for the first two calendar years. The 1st calendar year the limit is €150, then the 2nd calendar year an additional €150 (or €300 combined). Starting from the 3rd calendar year there are no yearly limits.
Tooth and jaw alignment treatments (orthodontics) for those that begin treatment before turning 21 years old. Those 21 or older, orthodontics are only covered if needed due to a sudden accident.
A €300 combined limit for the first two calendar years (or €150 per year)
Starting the 3rd calendar year, the limit raises to €2000
Advanced
In addition to regular dental work and cleanings, Advanced dental plan provides coverage for tooth replacement/restoration procedures and teeth whitenings. This plan might be more suitable for someone that has a history of dental issues and wants protection for more serious dental work that might be needed in the future.
What’s covered?
Professional dental cleanings are covered at 80% per treatment, up to a total limit of €200 per calendar year
Routine dental work such as high-quality fillings, root canals, gum treatments, getting fitted for a mouthguard/bite guard for medical purposes, and pain management treatments such as anesthesia
Similar to the Basic plan, there is a combined limit of €300 for the first two calendar years for all routine dental work. The 1st calendar year the limit is €150, then the 2nd calendar year an additional €150 (or €300 combined). Starting from the 3rd calendar year there are no yearly limits.
Additional coverage for tooth replacement/restoration procedures. This includes crowns, bridges, implants, inlays, onlays, and other medically needed prosthetics such as veneers.
Coverage and yearly limits depend on a few factors
€200 every two years to have your teeth whitened
Tooth and jaw alignment treatments (orthodontics) for those that begin treatment before turning 21 years old. Those 21 or older, orthodontics are only covered if needed due to a sudden accident.
A €300 combined limit for the first two calendar years (or €150 per year)
Starting the 3rd calendar year, the limit raises to €2000
💡 To summarize: The Advanced plan covers everything included with the Basic plan. Additionally, the Advanced plan adds coverage for tooth replacement/restoration treatments such as crowns and bridges, and benefits to have your teeth whitened.
❗ Please be aware that when we say something has unlimited coverage per year, this does not guarantee you will be reimbursed 100%. If the treatment required more time or work for the dentist to complete than what is considered average, then you might be billed above the average rate. This is based on the severity factor that your dentist lists on the final invoice.