Is Dental Insurance Worth It?

Is dental insurance worth the cost?
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Dental insurance will cover your visits to the dentist and help to pay for any dental care you receive. Generally, plans will cover a hundred percent of the preventative procedures, such as your check–up, cleanings and x-rays. After that there is a tiered system of the amount they will pay for fillings, crowns and root canals. You will likely be responsible for at least twenty percent of the cost of these services. Additionally there is generally a waiting period before the plan will begin to pay for fillings and other similar services.

Is Dental Insurance Worth It?

You should carefully read your plan to determine if the benefits are worth the cost. Many dental plans have low coverage limits. They will pay for dental work up to a certain amount and everything after that you will be responsible for. If your maximum benefit amount is close to the same amount that you would pay for your premium, the dental insurance may not be worth it. The insurance may negotiate a lower rate for the services that you receive, just like health insurance. This may help you save a bit more on your dental costs.

However, you may be able to do the same thing with a dental discount card, which may be more cost effective. This usually changes when you have multiple people on the dental insurance plan. 

How Do I Use My Dental Insurance?

Just like with health insurance, dental insurance has a list of in-network and out-of-network dentists. If you stay in your network, you will pay less, since the dental insurance covers more. If you go out of your network, you may end up paying a bit more. Some dentists may be willing to work with you on this, especially if you are an established patient with them. It may also be worth paying a bit more if you have found a great dentist that you can trust. 

Depending on your dentist and your insurance you may need to pay for your dental work at the office and the insurance company will reimburse you the cost. If this is the case, you need to be prepared to pay when you visit the dentist. You should contact your dentist to find out if the office will file the claims for you. You will also need to learn what forms you need to send in if your dental office will not file the claims for you.

Your insurance may require preapproval for dental work other than a check up. Ask the dentist to submit the claims for you in advance and call and verify before you go to the dentist. If there is is an emergency procedure you need done, you can call the insurance yourself and see if you still need to wait for approval. Taking the time to have claims approved before you have work done can save you a lot of hassle later on. 

Where Can I Get Dental Insurance?

You can receive dental benefits through your employer or you can purchase the benefits on your own. If you are self-employed you may consider just paying as you go. Most health insurance policies cover dental work that is required due to an injury, but you should check with your plan before you make that assumption. Regular dental care can prevent more serious medical conditions. If you have a cavity, you do need to get it treated, and you should not put it off. You can shop around for a dentist to find the best rates on treatment options.

You should also look for a dentist that you can trust.

Are There Alternatives to Dental Insurance?

You may want to consider using a dental discount card instead. You should carefully weigh both options before making a final choice for your situation. You should set aside in your budget to cover dental costs. Many people will include it with medical costs. If you do this, make sure you are taking the costs of both into consideration. Dental costs can add up more quickly than medical bills. If you are prone to cavities, it is important to go in regularly for cleanings and to take take care of your teeth each day.

This can help save you money.