With mortgage, life insurance, health insurance, car insurance and a necessity to save money, dental insurance may be the least of your priorities. One cannot keep spending money on plans and programs instead of focusing on and enjoying the finer things in life. Unfortunately, that is not an option, certainly not before you have taken steps to care for your teeth, gums and oral hygiene.
Many people don’t consider dental insurance worthwhile. But there are many who think otherwise. Let us take a pragmatic approach and list five reasons which would explain why you should opt for a dental plan.
- A visit to a dentist will cost you money. A simple appointment that doesn’t involve any treatment and is only meant to discuss a few problems you are having can cost half a day’s wage or much more. When you proceed with dental diagnoses and treatments then you are easily looking at a few hundred to a few thousand dollars. Simple cleaning sessions will cost you more than a hundred bucks, a root canal can cost anywhere from three hundred to more than a thousand bucks, a crown may cost about twelve hundred bucks and combined treatments can easily cross two thousand five hundred bucks. Do you want to pay for this out of your paycheck or savings?
- Health insurance is extremely helpful and everyone should have optimum coverage but unfortunately it will not cover the expenses of dental treatments. Most health insurance policies turn a blind eye to dental coverage and that is why a separate dental plan becomes very necessary. You may have some health insurance policies offering coverage to a certain extent but that would not suffice.
- The third reason to opt for a dental plan is to ensure that you have something to fall back on when there are emergencies. Dental emergencies are not uncommon and especially if there are kids then dental coverage become imperative.
- There is a difference between dental insurance and a dental plan. With the latter, you don’t pay a certain amount and then get the coverage to kick in. You get the coverage first and you pay only if your expenses exceed the coverage according to the dental plan.
- Finally, many dental ailments from gum disease to tooth decay can be prevented with proper proactive care. When there is some coverage, you can opt for half yearly or annual dental checkup and ensure you have the best of oral health. It wouldn’t be an expense in such a situation but using the funds that is available to you and would be wasted or unused otherwise.