How much those with statutory health insurance would have to pay themselves

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Lerato Khumalo

However, if you decide on a fully veneered bridge in which the remaining surfaces are also tooth-colored, this goes beyond the standard treatment. The additional full veneer is then a private service and is billed according to the GOZ.

If you choose an implant instead of a bridge, the billing will change fundamentally. Implants are not part of the service catalog of statutory health insurance companies. The entire care – from the implant to the dentures – is therefore calculated entirely according to the GOZ. In this case it is a so-called different type of care, i.e. a purely private service.

If you keep a bonus booklet that proves that you have had regular dental care in the past five to ten years before treatment, the fixed subsidy increases to up to 75 percent. In hardship cases it can even be 100 percent. This generally applies to recipients of social assistance, citizen’s benefit or BaföG, but also to all insured people who fall below a certain income limit. In 2026 this will be 1,582 euros gross per month for single people. Patients pay the costs of treatment that exceed the subsidy as their own contribution.

The personal contribution is calculated using the following formula:

Own contribution = BEMA fee + GOZ fee or GOÄ fee + material and laboratory costs – fixed subsidy

Examples of fixed grants:

It is difficult to say how much patients would have to pay if dental treatments were completely excluded from the scope of services provided by statutory health insurance companies. Because then the existing fee schedule would probably not remain the same.