Benefits of Having Dental Insurance


Many people don't view their teeth as something that can affect their overall health. The truth is, it is possible. It is for this reason that many dentists recommend that a person have an oral exam at least every six months. During an oral exam, a dentist will determine what dental work, if any, needs to be done to ensure good dental health. These regular oral exams and subsequent visits that may be required to complete dental work can drain finances. Having an insurance plan can help ease some of the financial burden.

People are reluctant to purchase insurance because they see it as an added expense that they think they can live without. The point is, this is indeed an added expense, but people who abstain from it don't look at the big picture. When you compare the amount of money spent on insurance and the patient's share of dental services with the money spent to pay one hundred percent of the bill, the difference is significant. It shows that a person can save money in the long run with dental insurance.

Most dental insurance plans will fully pay for preventative maintenance care. This will usually include dental x-rays and two regular dental exams. With an average cost of around one hundred and fifty dollars just for the exam alone, that turns into instant cash savings. If, during the regular dental check-ups, the dentist determines that there is other dental work to be done, dental insurance will cover them as well, but not completely as there is. with preventive maintenance care.

On average, insurance will cover around eighty percent of most types of dental work that may be suggested by a dentist. Before insurance covers this percentage, policyholders will need to pay a specific deductible. This amount will vary depending on the insurer. The deductible is paid directly to the dentist's office at the time of service. Once the deductible is reached, further services will be billed to the insurance company for the portion covered by the dental insurance policy.

Some dental procedures are considered cosmetic because they will not affect dental health or overall health. Teeth whitening is an example of a cosmetic procedure. Some dental insurance policies will cover cosmetic dental procedures at a much lower percentage than typical dental care. Some cosmetic procedures can be expensive, but with coverage by a dental insurance policy, the cost savings are well worth the cost of the plan.

Dental health is extremely important although most people don't realize it. Having dental insurance will allow a person to maintain good oral health and save money. Insurance can be an added expense, but when a person looks at the big picture, dental insurance provides a large amount of savings. Every insurance plan is different and should be carefully considered before purchasing a plan.

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