Benefits of Having Dental Insurance

Many people do not think of their teeth as something that can affect their overall health. The truth is, he can. This is why many dentists recommend that a person have an oral examination at least every six months. During an oral exam, the dentist will determine what dental work needs to be completed to ensure proper dental health. These regular oral exams and subsequent visits that may be necessary to complete the dental job can be financially wasteful. Having an insurance plan can help alleviate some of the financial burden.

People are wary of buying insurance because they see it as an additional expense they think they can live without. The thing is, it’s really an additional expense, but people who shy away from it don’t look at the big picture. The difference is significant when comparing the amount of money spent on insurance and the patient’s share of dental services versus the money spent paying one hundred percent of the bill. This suggests that a person can save money in the long run with dental insurance.

Most dental insurance plans will pay for preventive care in full. This will usually include a dental X-ray and two regular dental exams. With an average cost of around one hundred and fifty dollars for the exam alone, this instantly translates to a money saver. If, during regular dental checkups, the dentist determines that there is other dental work that needs to be done, dental insurance will cover this as well, but not entirely as with preventive care.

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On average, insurance will cover about eighty percent of most dental jobs that can be offered by a dentist. Insurance policyholders will need to cover a certain exemption before insurance can cover this percentage. This amount will differ between insurance companies. The exemption is paid directly to the dentist’s office at the time of service. Once the exemption is met, subsequent services will be billed to the insurance company for the portion covered by the dental insurance policy.

There are dental procedures that are considered cosmetic as they will not affect dental health or overall health. An example of a cosmetic procedure is teeth whitening. Some dental insurance policies will cover cosmetic dental procedures at a much lower rate than typical dental procedures. Some cosmetic procedures can be costly, but when covered by a dental insurance policy, the cost savings are worth the cost of the plan.

Although most people are not aware of it, dental health is extremely important. Having dental insurance will allow a person to maintain good oral health as well as save money while doing it. Insurance can be an added expense, but dental insurance offers huge savings when one looks at the big picture. Every insurance plan is different and should be carefully studied before purchasing a plan.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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