Zugegeben, dies ist eine provokante Frage. Die richtige Frage lautet: Wie viel ist dir deine Gesundheit wert?
Ich denke, bei dieser Frage sagt jeder: Alles, denn ohne Gesundheit ist alles andere nichts wert. Wenn ich nicht gesund bin, kann ich mein Leben nicht genießen, denn womöglich habe ich Schmerzen, kann nicht richtig schmecken, meine Nahrung nicht zerkauen, habe Probleme beim Laufen und vieles Weitere.
Damit wir für den Krankheitsfall bestens vorbereitet sind, ist es wichtig zu wissen, was bezahlt eigentlich die gesetzliche Krankenkasse, wenn ich eine Füllung, Krone, Zahnersatz oder Parodontitisbehandlung benötige? Tatsächlich vermieten die Krankenkassen ihren Versicherten häufig den Eindruck, alles zu bezahlen, im Ernstfall jedoch sieht es ganz anders aus. Es gibt die Möglichkeit, eine Zusatzversicherung abzuschließen, jedoch ist dafür erforderlich zu wissen, wo die Lücken in der Erstattung sind, die ein Loch ins Portemonnaie reißen könnten.
Wie viel kosten Zahnfüllungen?
Bei Zahnfüllungen ist die Regelversorgung im Seitenzahnbereich noch immer die Amalgamfüllung. Dies ist die günstigste Füllungsart, die zudem auch noch sehr lange hält.
-> Bedeutet: Wenn sich ein Patient für eine andere Füllungsart als Amalgam im Seitenzahnbereich entscheidet, kommt eine Zuzahlung auf ihn zu. Diese liegt je nach Material und Praxis bei Kunststoff-Füllungen zwischen 50 und 300 € und bei Keramikfüllungen (Inlays) zwischen 500 und 1500 €.
Wie viel kosten Zahnkronen?
Kronen werden in der Regel nie vollständig von der Krankenkasse bezahlt. Es gibt lediglich einen Festzuschuss.
-> Bedeutet: Die Zuzahlung für eine Zahnkrone ist abhängig von der Praxis, dem Zahntechniker, dem Material und der Ausführungsart und ist daher sehr unterschiedlich. Sie liegt zwischen 500 und 1500 € pro Krone.
Wie viel kostet die Parodontosebehandlung?
Es gibt eine Grundversorgung bei Parodontose, die die Krankenkasse bezahlt. Viele Praxen arbeiten auch nur auf diesem Niveau. Um diese Grundversorgung zu erhalten, muss der Zahnarzt einen bestimmten Ablauf einhalten, zu dem eine Vor- und Nachbehandlung gehört und einen Plan erstellen. Nach Bewilligung kann es losgehen. Bietet die Praxis Zusatzleistungen an, die für eine ganzheitliche und erfolgreiche Parodontitistherapie in meinen Augen unerlässlich sind, so stellen diese Mehrkosten für den gesetzlich Versicherten dar. Dies Mehrkosten können zwischen 500 und 3000 € liegen.
Mit diesen Informationen kann jeder etwas besser abschätzen, ob eine Zusatzversicherung sinnvoll ist.
Mein Tipp:
Lasse dich von deinem Zahnarzt beraten, wo bei dir mögliche Schwachstellen sind, und wie hoch die Gefahr ist, dass zukünftige Behandlungen notwendig werden. Dann kannst du auf die entsprechenden Punkte bei deiner Zusatzversicherung achten.
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