How can I use the high-cost protection?
High-cost protection is for individuals who have high dental care costs. This means that once your costs exceed a certain amount, you only need to pay for part of the cost yourself.
You can receive dental care compensation through the high-cost protection if you
- turn at least 24 years of age during the year
- are insured in Sweden. You are if you live or work here. There are some exceptions to this rule.
Even if you live in a country other than Sweden, you may be eligible for compensation through the high-cost protection in certain circumstances.
What can I use my high-cost protection for?
Your dentist or dental hygienist is required to let you know whether your treatment entitles you to compensation from high-cost protection or not. It applies for most treatments, but there are exceptions.
For example, you cannot receive compensation for teeth whitening, other forms of cosmetic dental care, or for dental care that is part of an agreement for subscription dental care.
Dental care that is part of treatment for an illness is not covered by the high-cost protection for dental care. Such dental care is subject to the county council’s regular patient fee and the county council’s high-cost protection for patient fees. For more information about this, please contact your county council or your region.
How much do I get?
You pay for costs that combined amount to SEK 3,000 over one year according to the national reference charges or the dentist’s/dental hygienist’s prices (whichever is lower). You then receive compensation for
- 50 per cent of costs exceeding SEK 3,000
- 85 per cent of costs exceeding SEK 15,000
The reference charge is a fixed price set by the government for each procedure eligible for national dental care subsidy. Procedures eligible for national dental care subsidy are examinations and different types of treatment. The reference charge for a procedure includes the cost of materials.
The dentist or dental hygienist does not have to follow the reference charge. They can set their own prices. If they charge more than the reference charge for a procedure that is part of the treatment, you will not receive compensation for the amount that exceeds the reference charge. You must pay this yourself.
High-cost protection is calculated year by year. This means that all procedures that are performed during a consecutive twelve-month period are included in your high-cost protection. You can choose to start a new compensation period before the old one expires. That might be to your benefit if you are about to undergo major dental work.
If you use your general or special dental care allowance to pay for part of your dental care costs, the allowance is subtracted before the high-cost protection is calculated.
For some treatments, you can only receive compensation equivalent to getting a filling, even if you choose to have a crown fitted to fix the tooth. Similarly, for some treatments you can only receive compensation for a bridge, even if you choose to get an implant instead of a bridge. The dentist must let you know what applies in each individual case.
How do I use my high-cost protection?
To be able to receive compensation through the high-cost protection, you must go to a dentist or dental hygienist affiliated with the national dental care subsidy. Most are.
You do not need to apply for the compensation. Your dentist or dental hygienist will deduct it from your bill.
Your final cost depends on what price your dentist or dental hygienist charges for the treatment. They set their own prices, but you have the right to receive information about the cost of the treatment beforehand. If your treatment must be spread out over a number of visits, you should be given a preliminary written estimate over the total treatment cost.