Dental Insurance – Time to Reevaluate Exclusion?
I’ve been experiencing jaw clenching and teeth grinding while I sleep, and my dentist recommended a night guard. I’ve noticed wear on a few teeth, and there’s a small chip on one back tooth that could be due to clenching. Unfortunately, my insurance does not cover night guards, but I’m concerned that both my expenses and theirs could increase if I don’t get one (it costs around $750). Is there a way to persuade them that covering this expense could save them money on future dental repairs? Or is that unrealistic?
It’s definitely frustrating when insurance policies seem to overlook preventive measures like night guards, especially when they could potentially save money in the long run. Here are a few approaches you might consider when discussing this with your insurance provider:
Gather Documentation: Ask your dentist for a letter that details your diagnosis, the potential consequences of not using a night guard, and how it could lead to more expensive treatments in the future. Including X-rays or images of the wear could also strengthen your case.
Highlight Preventive Care: When you speak to your insurance company, emphasize that providing coverage for the night guard is a preventive measure. Many insurance policies recognize the importance of preventive care and may consider exceptions.
Share Cost Comparisons: Prepare comparisons between the cost of the night guard and the potential cost of dental procedures that could arise from not using it (e.g., fillings, crowns, etc.). If they see the long-term cost benefits, they might reconsider.
File an Appeal: If your initial request is denied, don’t hesitate to file an appeal. Include all supporting documentation and reiterate how this will prevent more significant issues and costs down the line.
Research Other Policies: Sometimes, simply knowing that other insurance providers do cover night guards can help. If your insurer sees that it’s a common practice, they might be more willing to reconsider.
While there’s no guarantee that your insurance will change its policy, advocating for your needs and showing the long-term benefits can sometimes make a difference. Good luck!