What is a missing tooth clause?
Members covered by a dental plan with a missing tooth clause means the dental insurance company will not cover the costs of replacing the tooth if the tooth fell out or was extracted before the current dental coverage started.
Can you have 2 health insurance plans Canada?
If an insurer is willing to cover you, how could you refuse? Well, many Canadians may have coverage for the same benefits under more than one plan. It's called dual coverage, or double insurance. That's usually a good thing, but if you pay premiums on both plans, you can shell out more than you get back.
Is there a way around a missing tooth clause?
The best way to get around the missing tooth clause in your dental insurance is to file a well-supported appeal. Read your policy language carefully to know what facts to include in your petition. Your appeal might need to include evidence of prior coverage if the legal language consists of a phrase similar to this.
How do you avoid missing teeth clause?
Consider the waiting periods and the preventive frequencies. After you find the right policy, purchase it and use it at your dental appointments. You can even use some policies to cover the replacement for a tooth you lost before the policy took effect.
What does it mean to have a missing tooth?
Tooth decay, gum disease, and injury are common causes of missing teeth. Some people are born without certain teeth, and this condition is called congenitally missing teeth. Genetic factors cause congenitally missing teeth and this condition is often seen in generations of a family.
Does Guardian have a missing tooth clause?
Teeth Lost , Extracted or Missing Before A Covered Person Becomes Covered By This Plan: A Covered Person may have one or more congenitally missing teeth or may have had one or more teeth lost or extracted before he or she became covered by this Plan.