10 saving tips for dentures
If cash performance is poorly understood, you should know that dentists are required by law to educate patients, including risks, costs and alternatives. Statutory insured persons are entitled to standard care. Dentists, however, may have a financial interest in offering patients more, because they then reckon, in whole or in part, on the private fee schedule.
Without a bonus, the statutory health insurance covers around 50 percent of the costs for regular care. Those who have been to the dentist once a year for at least five years receive 60% of the costs (the fixed subsidy increases by 20%). For at least ten years, it is 65 percent (the fixed subsidy increases by 30 percent).
Children and adolescents up to the age of 18 must go to the dentist twice a year. The bonus booklet is issued from the age of twelve. The dentist crosses the “dental examination” in adults, in children and adolescents the field “individual prophylaxis“. Important are exam date and practice stamp.
Supplementary dental insurances can at best, together with the share of the health insurance cover 80 to 95 percent of the cost, so even with expensive dentures, and thus significantly cushion a high own contribution.
However, the tariffs may differ significantly, which is why the details should be checked well before completion. The disadvantages:
- In most cases, supplementary dental insurance does not cover all private co-payments to 100%.
- In most cases, benefits can only be claimed after a waiting period.
- Since the amendment of the Insurance Contract Act in 2013, insured persons can request information on the extent of the insurance cover before the start of treatment if the costs are expected to exceed € 2000. However, in individual cases even at costs below 2000, – € a claim for information exist.
In addition, one should keep an eye on the total financial expenditure: depending on the contract and the age of the insured person, the amounts range from 13 to more than 60 euros a month. That’s up to 720 euros a year.
Dentists with a cash register are required to offer cash benefits. You must not present them as deficient and make a treatment not dependent on a private additional service.
Use your right as a patient and ask exactly for the possible alternatives:
- Which standard care exists in my case?
- Is a bridge cheaper with another material??
The possibilities of dentures have never been as numerous as today. Let us explain for several variants the advantages and disadvantages, the durability as well as your private share of costs.
On websites, patients can upload their dentist’s treatment and cost plan and receive counter-offers from the registered dentists – often much cheaper. Stiftung Warentest praised the advantages of the competition in 2006.
Specially qualified dentists in the patient counseling centers of the Dentists ‘Association and Dentists’ Chambers examine free of charge the salvation and cost plan, the type of therapy proposed and the amount of the own contribution.
You can save money by being treated by dentistry students. Because in the university hospital the fees for the dentures are reduced or only material costs are calculated. Some patients also receive financial compensation, because the treatment takes longer, because each step is discussed and controlled several times.
Another advantage: The dentistry students are usually very motivated, even in higher semesters and it is a supervision by assistant and senior physicians guaranteed.
Possible fillings, dentures or periodontitis treatments, always in a separate treatment area. Excluded are usually extensive surgical and orthodontic therapies.
"Dentures for free" means: you get dentures without own additional payment. This is usually only possible in financial hardship cases, but also under these conditions:
Cheap dental prostheses from abroad are used AND the supply with the standard therapy chosen, which defined the statutory health insurance as standard care. In addition, the bonus book usually has to be run consistently over ten years.
Caution: Dodge the standard care and opt for one "similar" or "other types" Supply, so for example for a tooth-colored full veneer of a metal crown or bridge or for an implant instead of a bridge, you have to pay the additional costs yourself.
If dentures are manufactured abroad and used in Germany, this can significantly reduce costs. Because the Material and laboratory costs make up a large part of the bill. Quality from China, for example, does not have to be worse than that of German dentures.
Several, mostly small studies have come to the conclusion that there are no significant quality differences between foreign and locally made dentures. But the crowns, bridges or prostheses should comply with the German CE standard and the regulations of the Medical Devices Act.
Make the decision with the dentist. Helpful is a German cooperation laboratory, which checks the quality of the dentures and possible repairs.
Treatment in Southern or Eastern Europe can be significantly cheaper than in Germany. But: For dental treatment abroad, a health and cost plan must be approved by the health insurance before the start of treatment.
Clarify how many appointments are needed for the treatment and how many employees speak and understand German in practice. Insured persons must pay the bill to the foreign dentist and then receive the fixed subsidy from the health insurance company. Cost planning should also take into account the travel and accommodation costs.
The catch: If problems occur after treatment, patients are usually worse off than in Germany.
It is favorable if the clinic cooperates abroad with a clinic or a dentist in Germany so that possible rework can be carried out there.
The treatment contract abroad should be concluded on a German legal basis in order not to have to file a complaint in complaints or complaints abroad.
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