Dental Insurance or Out-of-Pocket?

No Insurance

According to a new Gallup poll, more than one-third of Americans say they did not visit the dentist at all in the past year.  When asked why, lack of dental coverage and cost were targeted as the main reasons for not visiting the dentist as they should. 

With insurance cost and medical expenses rising, having insurance creates a feeling of safety for the for the person seeking treatment.  The question is, is dental insurance really the safety net that people expect it to be?  Dental coverage can vary greatly based on the cost you pay for the plan.  The more you pay, the more coverage is extended to the policy holder.  For example: Dental Coverage can provide coverage that is limited to cleanings and x-rays only or provide more extensive coverages that provide partial payment of crowns, root canals, fillings, etc.   Keep in mind, insurances are ultimately businesses trying to make money. To ensure their business model succeeds, policies typically employ deductibles, caps and a list of out-of-pocket expenses that are the responsibility of the policy holder. 

Research has shown that the average cost for paying out of your own pocket for two exams and cleanings and a set of X-rays in 2011 would have cost about $370, on average, according to the American Dental Association.  In the same year, the cost for you to have a dental insurance policy would cost $360.00 a year. As a matter of fact, dental insurance premiums can be more expensive than simply paying out of your own pocket for routine checkups and cleanings. 

Just like fixing a car, it’s all about the preventative maintenance.  Regular check-ups and cleanings along with good daily oral care can help alleviate expensive dental problems from ever occurring.  Bottom line, if you take care of your teeth, the chance of needing to invest in a high cost dental procedure to resolve a problem is reduced.  Most extensive dental care needed stems from lack of regular cleanings, check-ups and good oral hygiene practices.

 

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One thought on “Dental Insurance or Out-of-Pocket?

  1. Pingback: Dental Insurance or Out-of-Pocket? |

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