Dental insurance is a type of health insurance that is designed to pay for dental costs. There are individual, family and group health insurance plans. If you do not currently have dental insurance, then you should definitely consider getting it.
1- Preventative Care is Covered
Preventative care is covered by dental insurance plans. In fact, most dental insurance plans will pay the full cost of two dental checkups each year. Preventative checkups include things such as cleanings, x-rays and fluoride treatments. If you do not have dental insurance, then you may have to pay hundreds of dollars for basic dental care.
Preventative care is important because it can greatly reduce your risk of developing cavities and gum disease. This can help you save even more money.
2- Save Money on Dental Procedures
If you have to get a dental procedure, then you will be able to save a lot of money if you have dental insurance. Dental insurance covers fillings, root canals and crowns. Dental insurance may not cover the total cost of your procedure. However, it will significantly cut the cost of it.
Many people put their dental health at risk by postponing important dental procedures. A lack of funds is one of the reasons that people postpone getting dental treatment. It will be a lot easier for you to afford your procedures if you have dental insurance.
3- Covers a Dental Emergency
A dental emergency can occur at any time. A knocked-out tooth, broken teeth, gum abscess and infected tooth are some of the things that can be classified as dental emergencies. A dental emergency has to be treated as soon as possible. If you have dental insurance, then a dental emergency will be covered. You will not have to worry about how you are going to pay for treatment in the event of a dental emergency. You will be able to focus on getting better.
4- Save Time
According to the Surgeon General, Americans miss 51 million hours of school each year due to dental illnesses. They also miss 164 million work hours due to dental procedures. If problems are treated early, then it can cut down on missed work and school days.
5- Peace of Mind
Your smile is one of the first things that people notice about you. Seeing a dentist is one of the best things that you can do to keep it protected. If you have dental insurance, then you will have peace of mind knowing that your insurance will pay if something happens.
6- Improve Your Overall Health
If you see a dentist regularly, then you will be able to improve your overall health. There have been many studies done to show that there is a link between oral health and overall health. Poor oral health can increase the risk of diabetes, heart disease and preterm labor. Dental insurance makes your dental visits affordable, so it will be easier for you to keep your appointments.
The cost of getting dental insurance can vary. Your dental insurance company, the plan that you have and the types of benefits that you have will determine how much you have to pay. Dental insurance plans are extremely affordable. In fact, you can get a plan for less than $50 per month. The best way to get a good deal on dental insurance is to shop around.
8- Saves the Healthcare System Money
Dental insurance not only benefits the people who have it, but it also benefits the entire healthcare system. Many people who do not have dental insurance go to the emergency room for treatment. If people went to their dentist instead of the emergency room, then $1.7 billion can be saved each year.