Why is Dental Insurance Important?
Taking proper care of your teeth and gums requires more than brushing and flossing every day. You also need to see a dentist at least twice a year for a thorough cleaning and check-up. It’s especially important for children to get in the habit of visiting the dentist regularly. Without dental insurance, the cost of these procedures can quickly add up. Also, when dental incidents arise and you need more treatment to your teeth and gums than simple preventative measures, you could be looking at a very high bill.
One of the more common dental procedures referred to as fillings, can run several hundred dollars or more depending on the pricing that particular dentist charges. Likewise, procedures such as root canals and extractions can cost several hundred or even several thousands of dollars. If a dentist determines that these procedures are necessary for your oral health, putting it off because of lack of funds can be detrimental to your teeth and gums. Dental insurance helps pay for some, most or all of the cost associated with these procedures. Your dental insurance plan provides you with access to care you may not have been able to afford otherwise.
People without dental insurance are less likely to take proper care of their teeth. This is usually because they can’t afford to go to the dentist, or would rather spend their money elsewhere. Knowing that at least part of your dental treatment will be covered is an incentive to seek out that treatment. Preventative treatment not only helps you safeguard against future problems, it also provides the opportunity to catch potential problems before they become too serious and require more extensive and expensive procedures.
If your employer offers dental insurance benefits, pay for it. This is almost always the best insurance you can get. Because employers subsidize part or all of the premium, you usually have access to more coverage under group dental insurance plans. Employee dental insurance is not the only way to take advantage of group discounts, however. Some member associations such as the AARP also offer discounted group dental insurance plans.
If you don’t have access to group dental insurance coverage, you can still get affordable and cost-effective individual dental insurance with a little research and comparison shopping. Comparing dental insurance plans online is a great resource to find dental insurance quotes and compare them. Even if you opt for lesser coverage in order to pay a lower premium, this coverage will still be better than nothing. When choosing an individual or family dental plan on your own, be aware that fraudulent plans exist. There are disreputable dental insurance plans advertising on the Internet. Make sure any insurer you do business with is properly licensed with the state and registered with the Better Business Bureau.
While not having dental insurance won’t prevent you from getting good dental care in the same way not having health insurance often limits your health care options, dental insurance does save you a lot of money. If you have a family, you should consider dental insurance a priority. With proper care, your teeth and your children’s teeth can and should last a lifetime. Thanks to dental insurance, huge expenses will not stand between you and good oral health.