Why dentistry needs insurance cover

The article highlights the importance of dental insurance for a holistic health

Dentistry is a critical component of overall healthcare, but is often overlooked when it comes to comprehensive insurance coverage. This oversight can have significant implications for public health, individual well-being and economic stability. Expanding insurance coverage to include dental care is essential for several reasons; it promotes better health outcomes, reduces long-term healthcare costs, addresses inequalities and enhances productivity and quality of life.

Dental health is intrinsically linked to overall health. Poor oral health can lead to severe medical conditions such as cardiovascular disease, diabetes and respiratory infections. Gum disease has been linked to heart disease and stroke due to the inflammation and bacteria associated with periodontal infections. By providing insurance coverage for dental care, individuals are more likely to seek preventive treatments and regular check-ups, thereby identifying and managing dental issues before they escalate into more serious health problems. This proactive approach not only preserves oral health but also contributes to the prevention of related systemic diseases.

Dental insurance in western countries varies significantly in terms of feasibility and coverage for dental treatments, largely depending on the country’s healthcare system, insurance market and public health policies. For instance, most dental insurance in the U.S. is provided through private insurance plans, often obtained as part of employee benefits. There are several types of plans, including Dental Health Maintenance Organisations (DHMOs), Preferred Provider Organisations (PPOs) and Indemnity Plans.

Insurance coverage typically includes preventive care (e.g., cleanings, exams, X-rays), basic procedures (e.g., fillings, extractions) and major procedures (e.g., crowns, root canals). Orthodontic treatments and cosmetic dentistry often have limited or no coverage. Plans often come with deductibles, co-pays and annual maximum limits. Insurance premiums can vary depending on the level of coverage by different companies. Dental insurance can be costly and not all employers offer dental benefits. 

Overall, the feasibility and coverage of dental insurance in western countries are influenced by the interplay between public health systems and private insurance markets. While basic dental care is generally accessible, significant disparities exist in terms of comprehensive coverage and affordability, often leading to gaps in care for those without adequate insurance. Addressing these disparities requires ongoing policy efforts to expand access and affordability of dental care across different socioeconomic groups.

Similarly in India, dental insurance coverage is essential for promoting overall health, reducing healthcare costs, addressing health disparities and enhancing quality of life. The integration of dental care into existing insurance frameworks, expansion of public health insurance programs, employer-sponsored plans and affordable standalone options are all viable pathways to achieving comprehensive dental coverage. By recognising and addressing the critical role of dental health, we can foster a healthier, more equitable society. It is imperative for policymakers, healthcare providers and insurers to work collaboratively to make dental insurance coverage a reality for all.

Preventive dental care is significantly more cost-effective than treating advanced dental and related health conditions. Without insurance, many individuals delay or forego dental visits due to cost, leading to the progression of untreated conditions. This can result in emergency room visits for dental pain or infections, which are substantially more expensive than routine dental care. The cost of the advanced dental treatments like crown & bridges, dental implants and orthodontic correction can be higher. Insurance coverage for dentistry encourages regular dental visits, early intervention and effective management of oral health issues, thereby reducing the incidence of costly emergency and rehabilitative treatments.

Most insurance companies in India offer minimal to no dental insurance coverage for most of the dental issues. Insurance for preventive and therapeutic dental care has to be mandated, since diagnostics, X-rays, dental fillings, simple extractions and root canal treatments can be of much help on the pocket. By providing insurance coverage for dental care, individuals can maintain good oral health, which in turn supports better physical and mental well-being. Teeth are very important for chewing and for a better digestion, speech and self-confidence.

Incorporating comprehensive dental coverage into insurance plans is not merely an added benefit but a necessary step towards holistic healthcare. It promotes better health outcomes, reduces long-term healthcare costs, addresses inequalities and enhances productivity and quality of life. By recognising the importance of dental health and providing the necessary insurance coverage, we can create a healthier, more equitable and economically stable society. It is time for policymakers, healthcare providers and insurers to acknowledge and act upon the critical role of dental care in overall health and well-being.