What is the best insurance for a dental implant?

Dental implants make it possible to maintain your teeth and to attach crowns (ceramic, metal, or zirconia). Unlike crowns and bridges, implants are considered to be acts outside the nomenclature, they are not reimbursed by health insurance.

In addition, their prices are completely free. On average, the price of a dental implant varies between €1,000 and €1,500, hence the importance of having good dental insurance to limit your remaining costs. Because without dental insurance, you will have to bear the full cost.

If mutuals partially reimburse crowns, this is not always the case for dental implants. Indeed, a large part of the mutual does not reimburse dental implants.

Only the best mutuals allow flat-rate coverage of dental implants. These contracts will be quite expensive.

What is the best insurance for orthodontics?

Orthodontic treatment may be prescribed for your child and in this case, it is better to have good health insurance.

Indeed, Social Security only reimburses €193.50 of your treatment per semester, while the cost of orthodontic treatment varies between €600 and €900 per semester. This remaining charge is all the most important since the fees of the orthodontist are free.

In addition, this reimbursement is only valid if your child began treatment before the age of 16. Otherwise, orthodontic treatment will not be reimbursed.

An orthodontic mutual can then either reimburse you in the form of a percentage of Social Security or the form of a flat rate. For a mutual to be interesting in this area, a minimum percentage of 200% is necessary. This equals around €380 in reimbursement.

Regarding adult orthodontics, it is not financed by Social Security. The remaining charge is therefore enormous. However, not all mutuals reimburse adult orthodontics. Only the best mutual funds cover part of this treatment. Thus, if you wish to receive orthodontic care, we strongly advise you to check whether your health insurance covers adult orthodontics.

What is the best insurance for dental care?

Dental care is varied, ranging from scaling, through the treatment of a cavity to the extraction of a tooth. This care is funded up to 70% by Social Security.

Thus, without mutual insurance, you will have to bear a remaining charge of 30% of your expense. A dental mutual is therefore welcome to limit your out-of-pocket expenses.

Some mutuals only reimburse dental care up to 100% of the Social Security reimbursement base, regardless of the range of your contract. This implies that the excess fees of non-contracted dentists will not be reimbursed.

These contracts may therefore be less attractive, especially if your dentist is not under agreement. You will incur more charges.

What is the best insurance for dental prostheses?

With implants, dental prostheses are the most expensive acts. Indeed, for the installation of a crown, an inlay-core, or a bridge, the fees of the dentists and stomatologists are free. So they charge whatever price they want.

Even if the 100% health reform has capped and improved the reimbursement of some of this care, all care is far from being concerned and the out-of-pocket costs remain significant.

Here again, mutual insurance is necessary to limit your out-of-pocket expenses. Depending on your contract, these reimbursements are either expressed as a basic percentage of Social Security or as a flat rate. As a general rule, fixed-price contracts are more advantageous.

Here are some tips for choosing the best dental insurance, in the field of prostheses:

favor mutuals compatible with the 100% health reform: this reform allows you to have access to two baskets of care, one without out-of-pocket costs and the other with controlled out-of-pocket costs. You will thus be able to have access to crowns and bridges without paying anything or by reducing your remaining charge;
pay attention to the ceilings of the mutuals: often, the mutuals reimburse your dental prostheses within the limit of a certain ceiling. For example €500 per year and beneficiary. Read the terms and conditions of your contract carefully.
Get quotes from your dental surgeon: since the prices are free, your surgeon is obliged to write you a quote before placing the prostheses. Once you have your quote in your pocket, do not hesitate to contact your mutual insurance company to find out what reimbursements you can claim. You will avoid unpleasant surprises.

Do I need a dental mutual with the 100% health reform?

Are you wondering if you should take out dental insurance after the 100% health reform and its remaining charge of €0? The answer is yes.

Indeed, this reimbursement without remaining charge or with limited remaining charge depends on two pillars:

part of it is covered by health insurance, you will then receive reimbursement from your CPAM;
the other part is taken care of by your complementary health, that is to say, you’re mutual.

In addition, this care without charge is not applicable all the time. They only concern certain types of crowns and certain bridges. Moreover, they do not apply to all teeth. Thus, for cases where the 100% reform will not apply, a very good dental mutual will be necessary to limit your expenses.