Good oral hygiene is essential to overall good health. Seeing a dentist twice a year can actually prolong your lifespan by up to 7 years!
Unfortunately, health insurance covers just about everything on your body except your teeth. If you have ever had a tooth ache then you know how critical seeing a dentist can be, and that trip to the dentist can have you spending a thousand dollars or more before you leave the office. I
- A Crown $1,500
- Root Canal up to $1,000
- Cleaning $100
- Braces $3-5,000
If you were to decide to skip the dentist in favor of holding onto those bills in your wallet, the eventual outcome could cost twice as much not to mention the risk of losing your teeth. If you prefer to drink most of your meals, than this wouldn’t be a problem for you. However, most us like biting into our favorite dish.
Dental Insurance is opposite health insurance. With health insurance you pay your deductible then your portion of the services is reduced. With dental insurance, you receive a certain amount of coverage for a price, then anything after that you are responsible for. If you use up your yearly maximum dollars and still need work done, you will either have to wait until the next year or pull out that wallet or pay for it yourself.
Regardless, having dental insurance can save you a ton of money. According to the National Association of Dental Providers less than 3% of those covered reach their maximums. For that reason companies are able to offer dental insurance at a low cost to the consumer. If you are one that has to cover the cost of your own dental services, you can expect to pay between $12 and $50 dollars a month. As with all insurance coverage, it is wise to look around and see what offers are available to you. Make sure to pick one that will meet your needs. In the long run you will be very glad you did.