Ask Our Specialists

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question

Question:

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.

Answer:

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

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
1255 page views

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More