By Erica Laceria on Mar 12, 2019 @ 11:10 AM
You just enrolled in your company’s benefit package and make an appointment to visit the dentist. Once you arrive, you find out your plan doesn’t cover your visit. Besides the fact that this is upsetting, you’re probably asking yourself, shouldn’t medical insurance cover your whole body's health? The mouth is part of your body, after all. Why is dental insurance separate from medical insurance? The following are a few reasons your teeth are covered separately.
Separation of Fields
The dental and medical fields have been separate since quite a way back into history. They still remain that way today. The medical field never accepted dentistry as part of their practice, so dentists had to make their own way. With separate schools and a different practice, it's not surprising that they have separate insurance coverage. In fact, dental insurance came to be about a century after medical insurance.
Dental Carriers are Specific to the Dental Practice
With the rift between dentistry and medicine, it's easy to imagine that specialization is needed when creating cost-effective insurance policies. Your medical carrier is familiar with forming relationships with hospitals and doctor's offices.This helps provide you with the best coverage for your money. Dental carriers do the same thing by forming relationships with a large network of dentists. This way you will have a policy that gives you a choice between multiple dentists in your area. Dental carriers also know how to bargain with dentists for the best discounts.
Insurance Companies View Dental and Medical Differently
Medical insurance must consider the unpredictable illnesses a person may face that could cost them greatly. When something goes wrong with your teeth, an insurance company isn't likely to have to pay much in comparison. Dental coverage is geared toward more preventive care such as teeth cleanings.
Even though dentistry and medicine are separate, it's clear that they are both very important in overall health. Many people feel they can get by without visits to the dentist and without dental insurance. However, poor oral hygiene is linked to diseases such as diabetes and heart disease.
Routine visits to the dentist will help your overall health just as checkups with your doctor will. So do yourself a favor and don't skip out on dental coverage. It will pay for routine procedures like cleanings and help with the cost of filling cavities. Taking care of your teeth now will prevent the problems that will cost you money in the future.