Securing Dental Insurance Saves Money
If you want to keep your teeth at their most healthy the longest, you’re going to want to visit the dentist at least twice a year. If you can do so three or four times, that’s even better. While you may be able to skate by with just one visit a year, that’s not the wisest choice. Things like cavities, plaque, and decay accrue over time.
If you go too long without a dentistry visit, you’ll need what’s known as a “deep clean” to fix your teeth issues. This ends up costing you a lot more money than regular cleanings, it takes longer, and it’s a bit more painful. You’ll likely have to get additional checkups as well, which can be inconvenient.
Often, if you go a long while without getting your teeth cleaned, little cavities develop that require you get fillings. These aren’t overly expensive, but they do have a cost to them. Many of those costs are completely avoidable if you simply avoid too many sweets, brush your teeth three times a day, and get regular cleanings.
The thing is, if you’re maintaining dental health like this, it’s going to be pricey. You’ll generally pay between $100 and $300 per cleaning, depending on the region and options in that region. For fillings, it could cost a few hundred dollars per event. Go without cleaning for several years and you may need four or five fillings. In such situations, dental insurance is necessary to save; but it must match your needs.
Since Dental Care Is Elective, Insurance Is More Complicated
Complicating the matter is the elective nature of dental care. Sure, it’s good for you. Sure, it keeps you healthier longer. But you can live with no teeth. Some people lose their teeth when they’re young and just keep on keeping on. It’s not good for you, and it’s not attractive, but it’s something you have the option of doing.
This means dentists have to capitalize on patients, and they seek to secure them over the long-term. It also means when a business starts to wane at a given location, dentists push expensive procedures on you in ways that feel officially necessary, when in fact they’re totally optional.
By contrast, if you secure the right sort of dental insurance, many of your teeth cleanings—if not all of them—could be completely covered under the insurance. So if you’re paying something like $100 a month for dental insurance, make cleaning your teeth something that you do with regularity—like cutting your hair.
Determining What Dental Insurance Will Cover
Different dental options have different coverage. Be careful to read the fine print before you sign up. Sometimes the dental insurance you secure will only cover you for a certain percentage of a given visit, but most dental plans allow you perks like free cleanings. It’s intensive procedures that become expensive.
Even so, if you’re getting your teeth cleaned every month, or at minimum several times a year, you’re going to avoid more in-depth dental procedures. A root canal is often avoidable. Sometimes you get a bit of food stuck in your gums which leads to gum disease—that’s avoidable.
In fact, solid cleaning can be a fundamental way of avoiding gingivitis, which is the gum disease associated with such decay most commonly. So in short, dental insurance covers you directly as well as collaterally.
Saving Money Through The Right Dental Insurance
You can get free visits which offset the recurrent expenses on the insurance, and you can avoid more expensive dental surgeries through upkeep which prevents them from being necessary. There’s a lot to think about here, the main thing is understanding the sort of insurance you secure beforehand.
Some packages give the barest possible discount and hardly justify themselves. Often if you’ve got a dental package through an employer, you may well find what that package covers is much less than you expected. It’s awkward to discover as much after you’ve already had the work done. Read the fine print beforehand so you know for sure.
The best choice here is generally securing your own insurance based on the research you do. Look at recurring costs, look at what is covered, and consider your present dental needs.