Dental 4 Less, What is a missing tooth clause?
Question: Over the coarse of three years I have lost a few teeth. I did not have dental insurance and to be frank did not like going to the dentist.
I started looking into buying dental insurance. Many of the plans I see have long term waiting period for the dental services I am sure to need. I may be willing to put up with the waiting periods since it was I who let things get so bad. However a friend told me to beware of missing teeth clause. She said many dental insurance plans have them so in the end I still will not have coverage to fix my missing teeth.
Answer: Some insurance companies have a missing tooth clause in their contracts. This clause will state that if a tooth was lost prior to their current insurance contract, the insurance company deems no responsibility to replace this tooth. It then becomes the individual’s responsibility to replace the tooth and not the insurance company. Therefore it is important to read the each plans Limitation and Exclusion carefully to fully understand what is covered and what may be excluded from the plan benefits.