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For dental it is a grey area, when someone has pain is naturally from decay ,nerve, abscessed teeth,etc, otherwise what type of pain are we talking about? I have never seen sound tooth have pain. I understand if existing filling or crown is not covered but once you have sudden pain, it is pain if no filling or crown was involved to me is covered when policy mentions Acute pain. Tooth pain could be due to nerve, decay, etc.


The plan is not going to pay any benefit for something that is already wrong with the tooth. 

Acute unexpected pain- if someone has a bad tooth, it is expected they will have pain/ problems with the tooth, and therefore not unexpected.

If something were to come up, for example tooth pain, and you are going to have to have it treated, I would advise to submit the claim for the reimbursement.  They will review the claim and if it meets the plans benefit criteria, they will reimburse up to the benefit level offered under the plan.  If not, there would not be any reimbursement, but you would still have had to have the treatment either way. These plans are not designed to cover dental issues, so they offer the 2 benefits of the acute unexpected pain and the dental accident benefits.

If you think someone would require dental work while here in the U.S., you could look into the discount plan we offer called Careington.

It can provide dental benefits at a discounted rate.  I have attached that plan's link below for you to review.  It is $11.95 month, with a 1 time non-refundable set up fee.  It can cover all members of a household as well. 

Careington Discount Plan

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