How Dental Insurance Can Save Your Teeth

How Dental Insurance Can Save Your Teeth
Once reason to invest in dental insurance is to save money, and in many cases you will over the long run, but there’s another even more basic reason why dental insurance is important – it can help you save your teeth.
It’s true that dental insurance involves a monthly premium, and with multiple people on the plan (even with discounts), it could be a substantial investment. But then, you also have to ask yourself, “How much are my teeth worth to me?”

Part Of An Overall Dental Care Plan
A smart dental insurance policy that fits your needs and budget isn’t a stand alone for good oral health, but it’s an important part of a powerful trio:

  • Good oral hygiene at home.
  • Regular dental check ups.
  • Adequate dental insurance coverage.

The most important way that dental insurance helps you to keep up good oral health is that it makes it far more affordable to see the dentist when you have a need. That means you will get one or two annual check ups and teeth cleanings, will have free dental consultations when you suspect or know you have a dental problem, and won’t have to shy away from needful treatments for fear of the cost.

Dental coverage encourages quick diagnoses and treatments, along with proper preventative care. You won’t feel inclined to delay getting an emergency check up when you know it’s “free,” and you’ll get a greater quantity of advice for at-home care from your dentist when you see him or her regularly.

Consider How Much Dental Insurance Saves You
Around two thirds of US adults have some form of dental insurance. Partly that’s because it’s one of the most affordable insurance types that delivers a lot for what you pay. It’s also, however, because of the inherent value of guarding your teeth/gums and because many employers and other organizations offer discounted group plans on dental insurance.

You may or may not save much just on annual exams, X-rays, fluoride treatments, and other diagnostic and preventive care – though, you could in some cases. But as soon as you get into even basic procedures like tooth fillings, an extraction, or a root canal, you’re likely saving 80% on procedures that cost hundreds of dollars each.

And for “major” dental procedures like crowns, bridges, dentures, braces, dental implants, and periodontal treatment, many policies cover 50% – and these procedures often cost $1,000 or more.

Even with copays, deductibles, and annual caps (of around $1,000 to $2,000 in most cases), you still stand to save big if you have to see the dentist much that year.

Thinking Through The Implications Of Having Dental Cover
There are a variety of different dental plan set ups, and you can find one that suits your likely needs without costing too much. But the most important implications of dental cover for you and your whole family are:

  • You’re going to use what you’ve already paid for – so you won’t be tempted to neglect dental problems.
  • Procedures become much more affordable as to what you still pay out of pocket.
  • The regular dental check ups and cleanings will greatly lower the risk of developing dental issues to begin with.

To learn more about how dental insurance coverage works, or to get a free quote on a dental plan custom-fit to your needs, contact Flagler County (FL) Insurance Agency today!