Do I need dental insurance?
Dental insurance, like any other insurance, can be complicated to understand. The terms, limitations, coverages can be very confusing. You may question if you really need dental insurance. You can get by without. But it comes with risks. Ignoring problems with your mouth, teeth or gums can be a real issue. And can lead to other costly medical problems.
What should I know about dental insurance?
For starters you pay a monthly premium amount, and your plan covers some of the cost of your care during the year. Plans can vary based on insurance carrier and plan options. Preventative care such as checkups, cleanings and screenings are usually covered at 100 percent. Other services can fluctuate based on your coverage and plan.
Key terms
Premium: The monthly payment to be enrolled in a dental plan.
Deductible: The dollar amount you will have to pay towards your deductible before the benefits kick in.
Coinsurance: The percentage you pay for services after you have met your deductible.
Annual Maximum: The most your dental plan will pay for dental care in a calendar year.
So, is it worth it?
By doing regular care appointments, you can reduce the chance of future problems, and the plan usually pays for itself. If you run into a dental issue, you quickly realize the benefits of having a plan in place. Without coverage, the medical costs can add up quickly. Dental costs for the average adult are about $1000 a year. Added dental work can create even more costs. A specialty service such as a crown can cost an additional $800-$3000.
Conclusion
Dental insurance is worth it. Maybe you do not have dental coverage offered through your job, or you may retire and lose coverage. Knowing your options is easy and can really pay off.
If you would like to learn more about dental coverage, let us help.
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