If you are like many people, you are concerned about the high cost of dental care and procedures and that fear is keeping you out of the dentist chair. But making a relatively small investment in dental insurance, will allow you and your family to get preventative dental care which can actually save you a great deal of money in the long-term.
If you have dental insurance, many preventative treatments such as teeth cleaning are covered, and may cost you as little as your co-pay or less. Dental cleanings remove plaque. If it’s not removed, plaque will harden into tartar, which in turn can lead to gum disease and other serious conditions. Studies have shown that the cavity- and gum disease-causing bacteria can affect the lungs, the circulatory system, and even a healthy pregnancy.
Dental insurance lessens the cost of diagnostics if you happen to develop a problem. Most dental plans will cover two annual exams, as well as the annual cleaning. Other procedures covered include X-rays for children and for seniors. Many insurance policies also cover fluoride treatments. Fluoride is needed to help keep tooth enamel strong.
The real benefit of having dental insurance is for those times when big ticket procedures become necessary. If you have kids, there is a good chance one of them may need braces, and dental insurance can pay for a large percentage of that, saving you a great deal of cash. It can also help with other expensive procedures like extractions, fillings, root canals, crowns, bridges, and veneers.
If you do not have dental insurance through your employer, you can get it through the Affordable Care Act, also known as Obamacare. The cost is less than you might think, and having it will give you peace of mind about the cost of maintaining you and your family’s oral health.
Without dental insurance, you may find yourself having to pay for an expensive procedure out-of-pocket. Perhaps your dentist will be willing to work with you so that you can pay the rest of the balance over a period of time. But, while many dentists offer payment plan options, not all dentists do. So if you can get dental insurance, it is highly recommended you do so as soon as you can so it is ready and in place should treatment like this be necessary.
Just like you would not consider doing without life insurance or home insurance, you should not be without dental insurance for you and for your family. Some dentists may be hesitant to even see you without dental insurance, and may not be willing to consider doing any long-term financing on expensive procedures.
If you need more information on how to get dental insurance through the Affordable Care Act, click here. Plans are available for individuals, and for families, and it may be one of the best investments you ever make. If at all possible, find out from your or your spouse’s employer if any dental insurance plans are available through your jobs, as it may be a cheaper alternative.
Dental insurance may not seem important to many people in light of home or health insurance, but having dental insurance is one way of making sure that your family’s oral health is maintained and any problems are taken care of right away. Quick treatment ensures that the bacteria from your mouth doesn’t affect the health of other bodily systems. You will be glad to have made an investment in something that can save you a lot money in the long run.