Since the health care reform, the statutory health insurance companies have only paid a certain share for dentures. This amounts to between 50 and 60 percent of the costs. Although implants are the best that the dentures offer, the patient’s own share of the costs that the patient has to pay is astronomically high. Depending on how many teeth are to be made, amounts in the five-digit range can come together. Hardly any statutory health insurer can afford this. Anyone who has not taken out additional insurance for dentures faces a major problem.
Credit for implants
The dentists work with outsourced billing offices. The patient can arrange payment in installments with them. But there is also the possibility to ask the house bank or another bank for a loan for implants. It can be assumed that the banks offer a longer term than the dentists.
If you have no problems with the credit and do not have to pay off any other loans, you will certainly receive a loan for implants from the banks for this treatment. A loan will not be of much use because the amount of the loan is very limited. Only 3,500 dollars are available. That should hardly be enough for implants.
It is also important that you do not have all teeth made at once. It is not said that the patient can tolerate the implants. Some patients have developed allergies and the implants had to be removed. The money paid will of course then be lost.
It makes more sense to take out additional dental insurance in good time, which covers the part of the costs that are not covered by the health insurance companies. This insurance also applies to implants. The monthly costs are low, but the return can be very high. Why why should a loan for implants be taken out if there is another way?
Anyone who has credit problems will not get a chance for a loan for implants anyway. In such cases, the dentist will also refuse to pay in installments, because the dentist’s billing offices also have the option of querying credit. Legally insured people then face a problem at all. This is another reason why supplementary insurance is so important. There is also the question of whether a loan for the teeth really makes sense.
A lot of money can be saved with additional insurance. It should only be completed in good time, because there are waiting times before it can be used. In addition, not every insurance company pays the share if there was previous damage to the teeth before the conclusion and the insurance company did not disclose the application.