Dental insurance helps pay for a portion of dental care expenses such as regular check-ups, cleanings and fillings, as well as more extensive procedures such as extractions, crowns, and orthodontics. Dental insurance plans typically have a yearly maximum benefit and a waiting period for certain procedures. Some plans also have a list of preferred providers, and using a provider outside of that network may result in higher out-of-pocket costs for the patient. Dental insurance is often offered as part of a larger health insurance package, but it can also be purchased as a stand-alone policy.
Is dental insurance worth it? This is a question we’re sure you’ve asked once or twice. The answer is multifaceted. Read on as we discuss whether or not dental insurance is right for you.
Having Dental Insurance Can Save You Money
One of the main benefits of having dental insurance is that it can help cover the cost of dental care, which can be expensive.
- Regular check-ups and cleanings can prevent more serious and costly dental problems from developing.
- Dental insurance can also help make more extensive procedures, such as extractions, crowns and orthodontics more affordable. This can be especially helpful for individuals who have a history of dental problems or have a high risk of developing dental issues in the future.
Dental Insurance Can Make Receiving Dental Care Easier
Another benefit of dental insurance is that it can make it more likely that individuals will receive regular dental care.
- Without insurance, many people may not be able to afford regular check-ups and cleanings, which can lead to more serious and costly dental problems down the road.
- With dental insurance, individuals are more likely to receive regular care, which can help prevent these problems from developing in the first place.
Having Dental Insurance Doesn’t Necessarily Mean Care Is Free
One of the main drawbacks is that dental insurance plans typically have a yearly maximum benefit, which means that once a certain dollar amount has been reached, the individual will be responsible for paying the remaining costs.
- This can be especially problematic for individuals who need more extensive procedures, such as orthodontics.
- Additionally, many dental insurance plans have a waiting period for certain procedures, which can be frustrating for individuals who need care right away.
Dental Insurance Can Be Restrictive
Another drawback of dental insurance is that some plans have a list of preferred providers, and using a provider outside of that network may result in higher out-of-pocket costs for the patient.
- This means that individuals may be limited in their choice of dental providers, which can be a significant disadvantage.
Dental Insurance Can Be Expensive
The cost of dental insurance varies depending on factors such as the type of plan, the coverage levels, and the individual’s age.
- Some individuals may find that the cost of dental insurance outweighs the potential benefits, making it not worth the investment.
Make An Appointment With Radiance Dental
Is dental insurance worth it? You decide. Regardless of whether or not you have dental insurance, we will work with you.We also have in-office dental plans.
At Radiance Dental, we create healthy, RADIANT smiles for life. We provide general dentistry as well as pediatric dentistry, cosmetic dentistry and teeth whitening services to make sure your whole family has healthy, happy smiles. Our dedicated staff is committed to continued education to learn the latest techniques and technologies to provide the best available care for our patients. We provide a safe, comfortable atmosphere for regular cleanings and the treatments our patients need to put their best smiles forward.
If you are looking for a new family dentist, we’d love to have you. Schedule a dentist appointment with us today.
Radiance Dental 