Is It Worth It to Have Dental Insurance? You Bet!
Purchasing your own dental insurance plan can feel like a hassle—enough that you may occasionally wonder: Is it worth it to have dental insurance? Like an auto insurance plan, it may seem like you’re not getting out of it what you put into it. But when you consider the alternative, dental insurance plans can help protect your teeth, your wallet and your overall health.
“Having dental insurance or a dental plan can help improve a patient’s oral health as well as their overall health,” said Dr. Kimberly Harper, a cosmetic and restorative dentist.
Learn more about why it’s worth it to have dental insurance.
”As we are learning more about the link between oral health and systemic health, dental checkups are becoming more important. We are no longer just checking for cavities; we are examining the patient for early signs of systemic diseases such as diabetes, cancer and heart disease.”
—Kimberly Harper, DDS
Dental Insurance Promotes Preventive Care
One of the best ways to keep your teeth healthy is to get them checked regularly, and a dental insurance plan will help cover regular visits, cleanings and screenings, reducing the need for more expensive work down the road.
“Patients with insurance are more likely to come in for regular six-month checkups,” Harper said. These appointments are usually fully covered by dental insurance and don’t require a co-pay.
And that preventive care can go beyond your mouth.
”As we are learning more about the link between oral health and systemic health, dental checkups are becoming more important,” Harper said. “We are no longer just checking for cavities; we are examining the patient for early signs of systemic diseases such as diabetes, cancer and heart disease.”
Dental Insurance Helps Pay for More Extensive Work
Whether it’s a routine filling or a root canal, dental insurance can help take the financial bite out of any treatment you need. Dental insurance plans are usually divided into three levels: preventive, basic and major. Preventive includes the regular cleanings and screenings, basic covers services such as fillings, and major covers procedures such as bridges and crowns.
Your dental insurance plan will then cover a percentage of the cost at each level, often at a 100-80-50 rate. Preventive care will be covered at 100 percent of cost, basic will cover 80 percent of the cost and major will cover 50 percent. Even for major procedures, this coverage can help you manage the costs more easily. Keep in mind that some plans include a waiting period for major procedures.
Dental Insurance May Come With Extras
When you purchase your own individual dental insurance plan, you may get more than just dental coverage. For example, some policies come with a vision rider that provides coverage for eye exams and glasses. Purchasing an individual dental insurance plan with extra riders such as these can make it an even better financial decision than you thought.
So with all of these extras and the coverages they provide, it’s clear: Individual dental insurance plans are a smart decision. No matter your dental history, protecting your teeth, as well as your overall health, makes the cost of an individual dental insurance plan worth it. Review your individual dental insurance plan options to find your best fit.
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