If a patient has to pay for dentures, this often brings him to his economic limits. Statutory health insurance pay 50 percent of the costs incurred in a standard care. Exceptions are high-quality variants such as implants or full-ceramic bridges. To finance this prosthesis, sufferers can complete a dental insurance. This guide tells you when it makes sense and what the policyholder should look for. Even with the standard care, for example, a prosthesis come to insured own shares. A bonus booklet or the hardship case allow a financial relief. The guide informs readers about further options for financing. These include, for example, a dental prosthesis financing through the dental practice or a small loan.
The advice before financing
As soon as a tooth is missing, replacement is a major factor in keeping the remaining teeth healthy. Failure to finance the dentures and close the tooth gap, threatened health complications .
First consultations before patients finance the dentures
Before it goes to the financing of dentures, there are essential issues to clarify.
If a patient has to pay for dentures, this often brings him to his economic limits.
Where are the costs for the individual variants?
Which dentures fit the particular tooth problem?
Before patients finance the dentures, they arrange a consultation in their dental practice. There, dentists inform about common costs and the possibility to realize the dentures through a possible cooperation with a financing partner.
If patients think about the future, they ask about precautionary and preventive options in order to preserve their own teeth for a long time. Further advice on dentures offer the health insurance companies. Here, interested persons receive information about the standard care and when the statutory health insurance takes effect.
When dentures choose the patient between the benefit subsidized by the health insurance and higher-value variants. Some of these require private funding . In the case of regular care, those affected receive a condition-dependent fixed subsidy. Often this is not enough to finance the entire dentures.
Financing Dentures: What benefits does the health insurance fund pay which the patient?
By the fixed subsidy system when dentures legally insured get fixed subsidies for:
- Prostheses (partial or full dentures)
The patient is free to choose the dentures, without changing the fixed subsidies. Depending on the bonus, these are between 50 and 65 percent of the average standard care costs . If those affected benefit from the fixed subsidy for an aesthetically appealing variant, they pay the costs for the additional service independently.
The subsidy from the health insurance company refers to the economically most sensible standard solution, without considering aesthetic aspects. The material is used as part of the standard supply NEM (non-precious metal). In the anterior teeth exists an additional partial veneer of ceramic.
The essential cash benefits exist in:
- Crown or bridge from NEM
- Removable dentures
- Ceramic part veneering for anterior teeth
- Supplementary dental insurance to finance the dentures
A dental insurance is suitable to absorb high costs of dentures. A good time to complete it is between the ages of 20 and 35 .
To finance dentures with dental supplement insurance
How can the dentures be financed through the insurance?
The comprehensive services for supplementary dental insurance are selected according to individual needs. Here are four performance hedges . In addition to dental treatment and prophylaxis include those of orthodontics and dentures.
In favorable variants, patients pay 4.80 euros a month. For persons over 60 years, the monthly contributions are up to 40 euros . It is possible to combine several benefits to fully cover the financing of dentures.
The voluntary supplementary insurance covers the costs for:
- required rail and bite rails
- root canals
- dental surgery
- Dental crowns and partial crowns
- Bridges, pin teeth and inlays
- Repairs on dentures
- regular professional teeth cleaning
The additional dental insurance is worthwhile for patients whose dental condition suggests future dentures . If they have crowns and bridges at a young age, dental prosthesis maintenance is a good idea. Similarly, individuals who have undergone root canal treatment choose voluntary insurance. Root-damaged teeth are in danger of deterioration – for example, caries.
For patients, in which a denture appears to be foreseeable in the near future, the dental supplement insurance is not worthwhile. Applicants will indicate if their dentist recommends a dental treatment when applying. The insurance does not apply to the upcoming measures. In addition, there are limited reimbursement rates for the first three to five years after the insurance has been taken out .
In order to finance dentures, insured persons with bad conditions face high costs. To avoid this, they choose a dental supplement insurance, which covers 80 to 90 percent of the costs, including the GKV shares . This results in a maximum own contribution of 20 percent.
The advantages of voluntary insurance include the favorable conditions and the protection against high dental replacement costs. In addition, dental supplements usually offer fair notice periods. After conclusion of the contract this offers a term of two years . Subsequently, the renewal takes place in the annual cycle. If there is a premium adjustment, patients make use of their special right of termination if necessary.
The disadvantages of supplementary dental insurance include the acceptance criteria. For example, insurance providers may reject patients with poor dental conditions.
The waiting periods recorded in the insurance contract vary in height. They range from three months to a year. The services of the insurance are valid after expiry of this period. For a dental supplement insurance without waiting time insurers demand higher contributions.
To finance dentures with a private guarantee
If patients lack the financial means and collateral for a timely replacement, banks often refuse a loan. An alternative is the private guarantee. It is a means of securing credit . One of the essential requirements is the existence of a principal liability between the creditor and the debtor . An effective guarantee contract between the lender and the guarantor must exist.
Financing dentures: How does a private guarantee help?
The private guarantee helps to finance dentures when no equity is available. Guarantors are family members and friends. However, the financial burden turns a friendship into a hard test . If it breaks, there is no possibility to terminate the private guarantee at an early stage.
Preferably, sponsors are suitable as guarantors . These settle the surety with own means problem-free. There are different types of guarantee. For example, the guarantor will only assume the unsecured loan portion. For the remaining amount the patient arrives on his own. The variant is worthwhile if the desired dentures just exceed its financial resources.
Borrowers without equity qualify for a deficiency guarantee . If there is no wealthy sponsor, partial guaranties are suitable. Each guarantor takes over a part of the loan. The variant makes it easier to find people who vouch for the borrower. At the same time, there is less financial burden for each individual.
For the patient who needs dentures, the surety brings several benefits. Although he has a poor credit rating, he receives a loan from the bank. In the same case, this applies to people who have a Schufa entry. The loan enables the financing of a timely denture. In addition, the guarantee creates favorable conditions through lower interest rates . For these reasons, consumers also resort to a private guarantor in the context of rent payments.
A private guarantee goes hand in hand with a grave disadvantage: There is no right of termination. If it expires indefinitely, threaten debt or garnishment. As a result, the relationship between the debtor and the guarantor deteriorates.
If patients need dentures, a low-level loan bridges a financial shortage.
Financing dentures with a microcredit
How can a loan cover the financing?
If patients need dentures, a low-level loan bridges a financial shortage.
If a tooth has a deep filling, the risk of a later dentition in the form of a crown increases. A bare metal crown costs up to 400 euros. A full ceramic model is associated with costs of up to 1,000 euros. To be able to settle these promptly with the dentist, sufferers use a Small Lender microcredit. First-time customers receive an instant loan of up to 500 euros. For existing customers, the total increases up to 3,000 euros.
The maximum duration is 30 days. Patients use the loan to finance a crown made from all-ceramics or several ceramic dental crowns . The sum is enough, for example, to finance an extravagant gold crown, which costs up to 700 euros. Small Lender offers a straightforward application with online contract signing and videoident. Applicants receive their payment within 60 minutes, so that short-term treatments are not a problem for the dentist.
In addition to the fast lending, the financial services provider scores with an effective annual interest rate of 13.90 percent. This effective interest rate reflects the annual costs associated with borrowing.
- the debit interest
- Bank charges
- payout rates
- as well as the repayment of the loan
At Small Lender, there are no costs for consultation and processing . This allows a favorable annual percentage rate . This makes Small Lender an uncomplicated alternative to the house bank.
Financing the dentures via the dental practice
For a nice dentition, the majority of patients would like a higher-quality dental care. Instead of metal crowns with partial veneering, they opt for crowns and bridges made of all-ceramics or the implant supply. Aesthetic dentures often exceed the amount available to individuals on a monthly basis. To benefit from a professional dentistry treatment, dental practices offer a monthly payment to those affected .
This installment makes it possible to use a high-quality dentures in case of financial constraints. Dentists work with specialized lending companies for this purpose . These are dedicated exclusively to the financing of dental services and offer patients fair conditions. The monthly amounts depend on the income of the person concerned and the cost of dentures treatment. Often the dentist offers an interest-free payment in the first six months.
Special cases, tips and hints
Financing dentures: What happens in a private bankruptcy?
Do private individuals no economic activity and show insolvency, seizes the judicial debt settlement . This means personal bankruptcy and allows for complete debt relief within a maximum of six years.
For this purpose, sufferers spend a large part of their income. The monthly income is below the debt free limit . Financing the dentures represents a financial overload. Especially in the conduct phase, there is no way to cover the high sums. If the dentures treatment serves the preservation and functional maintenance of the dental apparatus, sufferers apply to their health insurance company for recognition as a hardship case .
Financing the dentures with the hardship rule
The hardship rule applies to all persons with a legal insurance, provided that their income is below a certain limit. These include, for example, apprentices, low paid workers, single parents and social service recipients. With this regulation, they receive the standard care for the respective finding . The Social Code V stipulates the benefit entitlements in the case of hardship cases.
As soon as a recognized case of hardship exists, the fixed subsidy of the statutory health insurance increases from 50 to 100 percent. This allows for maximum cost recovery without deducting the patient. If the salary of those affected is just above the income threshold of € 1,164 , they also fall under the hardship rule. If a relative lives in the household, the limit of unreasonableness reaches up to 1,597 euros.
Apply for hardship regulation to fund dentures
Help with the application for recognition as a hardship case get affected by their dentist. He applies for the health insurance subsidy as well as the hardship recognition through a cure and cost plan. Before the health insurance company agrees to this, it checks whether the dental financing represents an unreasonable financial burden. For this purpose, it takes into account the gross income of the patient and all household members.
After the application has been submitted, the health insurance fund will send you the necessary documents. Afterwards, the patients fill in the completed contract and the dentist’s treatment plan.
Other important documents include the bonus booklet and a meaningful proof of income and the individual financial situation . This includes, for example, a Hertz IV decision, evidence of personal bankruptcy or certificates that identify those affected as students or students. The hardship case makes it possible to finance dentures despite low incomes or debts.