Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 06.08.2021, 15:07
Member
 
Join Date: Jul 2015
Location: Zurich
Posts: 128
Groaned at 5 Times in 4 Posts
Thanked 77 Times in 39 Posts
RoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeable
Preexisting conditions - dental insurance

I would like to change the health insurance plan for my daughter (7).
She is currently covered with dental insurance for orthodontics (since she was born).
How do pre-existing conditions work for orthodontics? What happens if in 3 years she needs braces? Can the new insurer claim that her teeth needed straightening since before we switched plans? It's technically true, I guess, as her mouth shape is clearly the same she has now. But no dentist has said anything about her teeth yet.


Once they accept us, can I be relatively confident that she will be covered?
Reply With Quote
  #2  
Old 06.08.2021, 15:12
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Preexisting conditions - dental insurance

Quote:
View Post
I would like to change the health insurance plan for my daughter (7).
She is currently covered with dental insurance for orthodontics (since she was born).
How do pre-existing conditions work for orthodontics? What happens if in 3 years she needs braces? Can the new insurer claim that her teeth needed straightening since before we switched plans? It's technically true, I guess, as her mouth shape is clearly the same she has now. But no dentist has said anything about her teeth yet.


Once they accept us, can I be relatively confident that she will be covered?
If you Switch plans to a new insures they will not cover pre existing conditions. If you lower your coverage you will be able to swap plans with the existing insurer, if you raise cover they will limit to the old cover limits on pre existing.
Reply With Quote
  #3  
Old 18.08.2021, 18:34
Forum Veteran
 
Join Date: Feb 2008
Location: Zürich
Posts: 504
Groaned at 2 Times in 2 Posts
Thanked 162 Times in 117 Posts
standardgirl has earned the respect of manystandardgirl has earned the respect of manystandardgirl has earned the respect of many
Re: Preexisting conditions - dental insurance

Quote:
View Post
I would like to change the health insurance plan for my daughter (7).
She is currently covered with dental insurance for orthodontics (since she was born).
How do pre-existing conditions work for orthodontics? What happens if in 3 years she needs braces? Can the new insurer claim that her teeth needed straightening since before we switched plans? It's technically true, I guess, as her mouth shape is clearly the same she has now. But no dentist has said anything about her teeth yet.


Once they accept us, can I be relatively confident that she will be covered?
At age 7, it will most definitely be required by the new dental insurer that your daughter gets a dental exam before they'd accept her. If they accept her, you will see exactly in the policy whether anything is excluded (pre-existing conditions). In any event, you should only cancel the existing one after signed contract with the new insurer. So just go ahead and apply to the new one and see how it goes.

Once the new company accepts her, unless it's mentioned anything is excluded, she'll be covered per the coverage and waiting period.
Reply With Quote
This user would like to thank standardgirl for this useful post:
  #4  
Old 18.08.2021, 21:00
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,649
Groaned at 55 Times in 41 Posts
Thanked 2,600 Times in 1,269 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Preexisting conditions - dental insurance

Quote:
View Post
I would like to change the health insurance plan for my daughter (7).
She is currently covered with dental insurance for orthodontics (since she was born).
How do pre-existing conditions work for orthodontics? What happens if in 3 years she needs braces? Can the new insurer claim that her teeth needed straightening since before we switched plans? It's technically true, I guess, as her mouth shape is clearly the same she has now. But no dentist has said anything about her teeth yet.


Once they accept us, can I be relatively confident that she will be covered?
I would keep the dental where it is until later and avoid any risk and change only the other plans now.
Reply With Quote
This user would like to thank kri for this useful post:
  #5  
Old 19.08.2021, 07:57
Forum Veteran
 
Join Date: Sep 2009
Location: ZH
Posts: 987
Groaned at 24 Times in 9 Posts
Thanked 1,344 Times in 501 Posts
arrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond repute
Re: Preexisting conditions - dental insurance

I would suggest you get an appointment with a qualified orthodontist to determine if your daughter is a possible candidate for orthodontic treatment BEFORE changing her insurance. I understand she is only 7, but her spacing, jaw structure, bite ( occlusion) and existent adult dentition is visible. ( need a panoramic x-ray)

Be careful to choose a SSO Kieferorthopäde and NOT some charlatan offering Invisalign. ( Many dentists take a weekend course and buy the scanner to add this to their repertoire)


In Zürich, Dr. Barbara Jaeger is a serious professional and compassionate person.
In Luzern, Dr. Yann Deleurant is fabulous.

https://www.swissortho.ch/

Last edited by arrow; 19.08.2021 at 08:35. Reason: Typo
Reply With Quote
  #6  
Old 19.08.2021, 08:29
Forum Veteran
 
Join Date: Sep 2009
Location: ZH
Posts: 987
Groaned at 24 Times in 9 Posts
Thanked 1,344 Times in 501 Posts
arrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond reputearrow has a reputation beyond repute
Re: Preexisting conditions - dental insurance

Something else which is VERY IMPORTANT regarding dental insurance and Invisalign / Best Smile etc. , it is rarely covered by dental insurance. It is often considered esthetic treatment and not orthodontic correction.

I just heard this from my long time friend who is an orthodontist.
Reply With Quote
This user would like to thank arrow for this useful post:
  #7  
Old 19.08.2021, 09:32
Junior Member
 
Join Date: Apr 2021
Location: Basel
Posts: 66
Groaned at 2 Times in 2 Posts
Thanked 82 Times in 39 Posts
ThisIsFine has made some interesting contributions
Re: Preexisting conditions - dental insurance

Quote:
View Post
I would suggest you get an appointment with a qualified orthodontist to determine if your daughter is a possible candidate for orthodontic treatment BEFORE changing her insurance. I understand she is only 7, but her spacing, jaw structure, bite ( occlusion) and existent adult dentition is visible. ( need a panoramic x-ray)


https://www.swissortho.ch/
Don't do this. This seals it into her dental records that she needs orthodontic treatment. No insurer will ever accept her again. If today, she has no mention of needing braces in the future in her record, you might still be able to change coverage.

Agree with others who say don't drop the current coverage until you've been accepted without limitations elsewhere.
Reply With Quote
  #8  
Old 19.08.2021, 16:59
Member
 
Join Date: Jul 2015
Location: Zurich
Posts: 128
Groaned at 5 Times in 4 Posts
Thanked 77 Times in 39 Posts
RoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeable
Re: Preexisting conditions - dental insurance

Quote:
View Post
Once the new company accepts her, unless it's mentioned anything is excluded, she'll be covered per the coverage and waiting period.

That's comforting. I see however that the general terms already include a clause about pre-existing conditions, so that would apply even if they are not aware of the preexisting condition, wouldn't it? I would still apply and see what they say.
Reply With Quote
  #9  
Old 19.08.2021, 17:01
Member
 
Join Date: Jul 2015
Location: Zurich
Posts: 128
Groaned at 5 Times in 4 Posts
Thanked 77 Times in 39 Posts
RoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeable
Re: Preexisting conditions - dental insurance

Quote:
View Post
Don't do this. This seals it into her dental records that she needs orthodontic treatment. No insurer will ever accept her again. If today, she has no mention of needing braces in the future in her record, you might still be able to change coverage.

Agree with others who say don't drop the current coverage until you've been accepted without limitations elsewhere.

I was also thinking of avoiding a specific consultation for now, exactly for this reason.
Just to be clear, she has been to the dentist multiple times and nothing was mentioned, so I am not trying to hide anything. But a visit at a specialist would definitely raise flags.


Unless what they meant is to get the visit because if braces are needed in the future it's better not to change coverage now, because it would not be covered anyway after a switch.
Reply With Quote
  #10  
Old 19.08.2021, 21:12
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,649
Groaned at 55 Times in 41 Posts
Thanked 2,600 Times in 1,269 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Preexisting conditions - dental insurance

Quote:
View Post
I was also thinking of avoiding a specific consultation for now, exactly for this reason.
Just to be clear, she has been to the dentist multiple times and nothing was mentioned, so I am not trying to hide anything. But a visit at a specialist would definitely raise flags.


Unless what they meant is to get the visit because if braces are needed in the future it's better not to change coverage now, because it would not be covered anyway after a switch.
The new health insurance will ask you to fill a questionnaire by a dentist anyway so better wait.

Why do you want to change dental insurance anyway?
Reply With Quote
  #11  
Old 19.08.2021, 21:13
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,649
Groaned at 55 Times in 41 Posts
Thanked 2,600 Times in 1,269 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Preexisting conditions - dental insurance

Quote:
View Post
Don't do this. This seals it into her dental records that she needs orthodontic treatment. No insurer will ever accept her again. If today, she has no mention of needing braces in the future in her record, you might still be able to change coverage.

Agree with others who say don't drop the current coverage until you've been accepted without limitations elsewhere.
Which "record"? Insurers do not have access to your medical records. You need a dentist to fi a form when you apply to the insurance and of course you should not lie but there is no universal record to which insurers have access.
Reply With Quote
  #12  
Old 24.08.2021, 18:24
Forum Veteran
 
Join Date: Feb 2008
Location: Zürich
Posts: 504
Groaned at 2 Times in 2 Posts
Thanked 162 Times in 117 Posts
standardgirl has earned the respect of manystandardgirl has earned the respect of manystandardgirl has earned the respect of many
Re: Preexisting conditions - dental insurance

Quote:
View Post
Which "record"? Insurers do not have access to your medical records. You need a dentist to fi a form when you apply to the insurance and of course you should not lie but there is no universal record to which insurers have access.
It's not exactly a record per se, but the new insurer will ask as part of the application whether a dentist has ever indicated that orthodontics is needed. Therefore one should not get an opinion from a dentist prior to applying to dental insurance unless one plans to lie on the application about this.
Reply With Quote
  #13  
Old 28.08.2021, 11:29
Member
 
Join Date: Jul 2015
Location: Zurich
Posts: 128
Groaned at 5 Times in 4 Posts
Thanked 77 Times in 39 Posts
RoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeableRoastedRhino is considered knowledgeable
Re: Preexisting conditions - dental insurance

Quote:
View Post
Why do you want to change dental insurance anyway?

We would like to get Semi-private insurance and ideally get a better price.
My employer has some new group offers so we may be able to save something.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
IV and preexisting conditions NotAllThere Family matters/health 5 25.07.2020 09:01
Health Insurance and Pre-existing conditions? killylastin Family matters/health 25 19.10.2015 15:38
Supplemental insurance and pre-existing conditions Rootless Cosmopolitan Insurance 1 20.08.2013 13:19
health Insurance with previous conditions Bhawna Insurance 7 09.11.2009 10:39
basic insurance for preexisting conditions WhiteSkiFreak Family matters/health 9 11.02.2009 08:51


All times are GMT +2. The time now is 04:29.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0