Sterling Knight COO Blog

Demographics: Increase in Young Foreign Single Professionals in Singapore

More young, single professionals are moving to Singapore due to opportunities and quality of life, reports an article from the local news.

Health Insurance Plans and Orthodontics

What you might not know in dental coverage in health insurance plans.  One of the common claims we find people trying to make is on orthodontics. There is a perception that since the health plan a person holds does state it provides dental coverage, then that must mean all types of dental related problems including orthodontics. You may be surprised when your claim is rejected. Orthodontics is a special type of dental treatment that seeks to solve tooth irregularities & disproportionate jaw relationships.  In short, its aim is to straighten teeth.  Braces & retainers are common solutions for people.

I recommend you read the exclusions of your policy wordings carefully. One policy states: “Dentistry except that which is explicitly stated in the option Dental Plan Benefits Schedule. “    If you don’t see the word orthodontics in that policy schedule you will have to pay for it yourself. Another policy states “All dental treatment or oral surgery related to teeth unless within the terms of the Accident Dental Benefit.”   What this means for you is that all dental work is excluded from the health policy unless you are in a accident & require immediate work to repair your teeth. Beware of insurance policies that don't make this clear. Especially for dependent children, orthodontics can be a real expense and clarify if its covered before you make a decision on your child's health insurance

 

Expatriate medical insurance concerns in the era of Obamacare

An article on expatriate medical insurance as it relates to US citizens abroad, jointly written by Rutherfoord International's Catherine Trombley, was published in HR Review today.