Russia has a compulsory medical insurance program that also covers dentistry. Every citizen of the Russian Federation can receive free:
examination and consultation with a dentist;
X-ray for some indications;
treatment of teeth and gums, including pulpitis;
removal of tartar;
removal of teeth and cysts;
Correction of malocclusion in children.
The compulsory medical insurance policy also includes lebanon mobile database free medications and materials, but, as a rule, they do not correspond to the high quality offered by private clinics. For example, in a private clinic, the dentist will select a filling that will match the color of the tooth enamel. Under the compulsory medical insurance, the simplest fillings of white or grayish color are usually installed.
In addition, compulsory medical insurance does not apply to:
enamel whitening;
installation of veneers;
bite correction for adults;
implantation and installation of crowns.
If you need braces or implants, one of the best solutions is a dental loan.
Other options:
Credit cardIf you manage to pay off the debt before the end of the grace period, you can pay for treatment with a credit card. This will allow you to not pay interest at all.
Balanced treatment plan. Ask your doctor if there are temporary measures that will allow you to postpone large expenses. For example, if you can get an inexpensive crown while you save up for implants. Keep in mind that with this option, your final costs may be higher than the cost of the loan.
How to make a tax deduction
If you pay personal income tax, you can get back some of the money you spent on treatment. The option is not available to self-employed and individual entrepreneurs, as they operate under a different tax system.
By law, you can get back up to 13% or 15% of the cost of treatment, depending on the personal income tax rate. But you need to take into account two restrictions:
The state sets the maximum amount from which you can make a deduction. For 2024, it is 150,000 ₽. If you pay personal income tax at a rate of 13%, you can get back up to 19,500 ₽ (13% of 150,000 ₽).
You cannot get back more than the amount of tax you paid in the current year.
It doesn’t matter how exactly you paid for the treatment – from your own funds or took out a loan for dental services.