Information About ACC Dental Claims
There are so many unfortunate events that can lead to a dental injury, whether it’s your child colliding with another on the playground or you come off your bike and your face has met the handlebars, or even just tripping over. Thankfully New Zealand has The Accident Compensation Corporation (ACC) to help with injuries that occurred due to accidents. Navigating the ACC claims process can feel complicated so here is a quick run-through to help you with the ACC cover process.
First Off, Which Injuries Can Be Covered?
- An injury that has happened by an accident.
- As a result of medical or dental treatment.
- By a sporting injury.
And Claims That Are Not Covered:
- If the damage to your teeth or dentures is due to normal wear and tear or decay and gum disease.
- Treatment was carried out by a dental technician rather than a registered dentist.
- Damage occurred to your dentures while you were not wearing them.
The dentist will help you fill in the necessary forms if you meet the cover criteria, ACC will then send a letter to the dental practice and yourself advising if the claim has been accepted (this can take up to 10 working days).
How Does ACC Help?
In most cases ACC will pay a regulation amount towards your treatment and then any extra costs above that amount are to be paid by you the patient.
Factors that can affect the regulated amount:
- The type of treatment requested for the injury.
- The condition of your mouth, Dentures and teeth before the injury happened.
The dentist will discuss your treatment options and the extra costs with you before treatment and go through any questions you may have.
What Else You Need To Know:
- If you have had a previous ACC claim for a dental injury bring along details such as the claim number and date of the accident.
- It is important to discuss costs with your dentist, while ACC does cover part of the cost there is usually an extra part charge you will need to pay.
- Prior approval is needed if you wish to know the contribution ACC will make, this usually takes up to 10 working days.
- If you have a pre-existing condition such as decay or bone loss prior to your injury, this will affect whether ACC will contribute towards treatment.
- ACC may reduce the amount they contribute if you have had prior treatment on the tooth.
- All specialist treatment must be pre-approved by ACC.
- ACC usually requires some injury evidence such as photos and X-Rays.
Please get in touch if you have any further questions.
You can also find more about the conditions of cover and on their website www.acc.co.nz/dental.