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Is Dental Insurance Worth the Cost?
Is Dental Insurance Worth the Cost?

It can be difficult to remember just how important it is to take good care of your teeth. You constantly use them every day, for both eating and talking, so it’s important to prepare for the worst should something happen to them. Dental insurance is a great plan to have in place, and the premiums are often affordable enough. When compared to the high costs of dental procedures, the logic that “an ounce of prevention is worth a pound of cure” rings true.

With open enrollment beginning next Tuesday, November 1st, it’s time to take a look at your current plan and weigh the benefits of having dental insurance. Typically, dental insurance is worth the cost when it comes to larger surgical procedures such as crowns, bridges, inlays, dentures, or root canals.

Just like with medical or vision insurance, you buy dental insurance to prepare for accidents or illnesses that might have become financially detrimental if you hadn’t prepared in advance.

Approximately 64% of Americans have dental insurance, and nearly all of them are provided through workplaces or group plans. Going through your workplace or a group plan is a great way to keep the cost of insurance down, whether medical, vision, or dental.

If you have a set of strong, healthy teeth, maybe you only ever see Dr. Nguyen, Dr. Regalado, or Dr. Hunt once annually for a checkup and cleaning. In that case, you may not need to worry about preparing for the worst. However, some teeth are more prone to disease and other issues. In these cases, it is better to have more frequent checkups so your dentist is likely to catch issues in their early stages. By having dental insurance, you'll be prepared for costly procedures by having insurance. 

Typically, the most advertised feature of a dental insurance plan is its focus on providing free preventative and diagnostic care. Most often, it provides recipients with one or two free annual exams and cleanings and will also cover the cost of X-rays.

Aside from these free benefits, your insurance will usually cover 70 to 80% of the cost of basic procedures, such as fillings, extractions, office visits, and periodontal treatments. Major procedures, such as dentures or implants, are usually covered up to 50%. Similar to medical insurance, however, your dental insurance will not cover cosmetic procedures or surgeries.

Basically, you will most likely save money having insurance as long as you remember to take advantage of the savings offered. So don’t forget to schedule your two annual cleanings with our amazing team of dentists and hygienists!

Open enrollment is just a few days away. Now is the time to review your current plan if you have one and choose a new dental insurance plan before January 31st. 

Remember, your dental benefits do not roll over, so if you haven’t yet taken advantage of your plan’s preventative care, make sure you schedule your next cleaning as soon as possible. Request an appointment online, or call (209) 385-1479 to schedule today.