My husband chipped his tooth and came to find that the dental portion of his insurance would not cover it...I have Aflac dental ins and I'm pretty sure that they would cover it. I wanted to switch him to my policy...however, is the tooth considered a "pre-existing" condition whereas they would not cover it?
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Dental insurance doesn't usually have a preexisting conditions clause. That being said, if it's considered cosmetic only, it will unlikely be covered. If it is covered it will be a only a small percentage. However, if it is going to cause the loss of the tooth or some other health issue, they will cover their normal portion. Keep in mind dental plans in general only cover at best about 50% and most are lower than that. A lot of people make the mistake of expecting dental insurance to work similar to their medical plans and it can be frustrating when you find out how little it covers. Hope that helps
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