Are you currently weighing whether dental insurance is worth the monthly premium? Whether you’re enrolling in your employer’s plan or an individual one, the answer is clear: absolutely. After all, the subsequent coverage can significantly benefit both your smile and your wallet. Here’s how!
#1. Dental Insurance Helps You Save on Preventive Care
Dental insurance differs from medical insurance in one important way: it’s largely centered around preventive care. As a result, most patients enjoy 100% coverage of two exams, two cleanings, and X-rays annually. Since these visits without insurance can cost $250+, it’s easy to see how having a dental plan can benefit your wallet.
#2. Most Plans Cover 50% to 80% of Restorative Treatments Too
Despite your best efforts, a dental problem or two may arise throughout the years. The good news is that many dental insurance providers cover 80% of the cost of minor restorative treatments, like fillings, and 50% of the cost of major restorative services, like dental crowns. As a result, being insured can significantly reduce your out-of-pocket expenses should you need a cavity or gum disease treated.
#3. Insured Patients Are More Likely to Avoid Future Dental Problems
As mentioned above, biannual checkups and cleanings play a crucial role in keeping your smile happy and healthy throughout the years. While the benefits to your oral health are obvious, the savings to your wallet may not be. However, catching dental problems in the early stages, removing plaque and tartar, eliminating stubborn surface stains, and cleaning the hard-to-reach areas of your mouth can prevent you from spending thousands on restorative and cosmetic care.
#4. Dental Insurance Can Help Prevent Unwelcomed Surprises
Another perk of dental insurance is that the providers have pre-negotiated the rates for you. So, when you visit an in-network dentist, you won’t have to be worried about getting a surprise bill for the difference. Instead, utilizing your benefits is straightforward, understanding the cost is easy, and there is no worrying about hefty bills that you weren’t expecting.
While dental insurance does involve a monthly premium, the dollars go to use covering your preventive and restorative care in a way that benefits your smile both now and for years to come. So, as long as you visit your dentist to utilize your coverage, the investment is well worth it!
About the Practice
At Sedalia Dental, our friendly and caring dentists are here to provide you with the top-notch dental experience you deserve. That starts with a state-of-the-art office and convenient hours and expands to welcoming dental plans from many of the nation’s leading providers. In fact, we are even in-network with several PPO plans! So, if you have a question about utilizing your coverage to the fullest, don’t hesitate to schedule an appointment with our team via our website or by phone at 614-836-2222.