In what situation will a hospital or medical expense policy typically cover dental treatment expenses?

A hospital or medical expense policy typically covers dental treatment expenses specifically when the treatment is necessary to repair an injury. This means that if a patient suffers an accident that results in dental damage, such as a broken tooth or other dental injuries, the medical policy can provide coverage for the treatment needed to address those injuries.

This coverage is grounded in the principle that the dental treatment is not merely routine care but is necessitated by a medical event that has caused physical harm. In this situation, the connection between the injury and the dental procedures is clear, allowing for coverage under a broader medical policy rather than a specific dental plan.

Regular dental check-ups, cosmetic procedures, and orthodontic treatments typically fall under preventive or elective care, which most standard medical expense policies do not cover, as these are considered part of routine dental care rather than necessary medical treatment brought about by an injury.