A dental insurance coverage provision could restrict or deny protection for the substitute of enamel that had been misplaced previous to the efficient date of the coverage. As an illustration, if a person purchases a dental plan and already has a niche from a previous extraction, the plan won’t contribute in the direction of the price of a bridge, implant, or denture to fill that particular house. This stipulation is frequent in lots of dental insurance coverage agreements.
This kind of clause serves as a cost-control measure for insurance coverage suppliers. It helps to forestall people from buying dental insurance coverage solely for the aim of masking pre-existing circumstances, which might considerably enhance the monetary burden on the insurer. Traditionally, the inclusion of such clauses has helped to take care of decrease premium prices for all policyholders by mitigating the danger of masking costly, long-standing dental points instantly upon enrollment.