IS DENTAL INSURANCE WORTH YOUR PAY?
If you have ever been to a dentist, you will be well aware of how valuable a tooth can be. Not only in terms of helping you chew but also the cost it takes to pluck a single tooth or that matter getting a root canal done. However, the world has moved forward and one is provisioned with an insurance cover for almost everything.
From health insurance to life insurance and now there is even Dental Insurance for covering your expenses spent on dental procedures.
So, firstly for all those who are still oblivion to Dental Insurance, here is the definition. As the term goes it’s an insurance for your dental care wherein you need to pay a monthly insurance premium and in the bargain get covered for your routine checkups and diagnostic care which includes cleanings. 80% of the cost is covered for getting done root canals or fillings and rest 50% for other major procedures such as fixing crowns and bridges.
But the big question here is whether Dental Insurance is worth the hype or will you be shelling more from your pockets than the gains? Well, that depends completely on whether you visit dentists regularly or once in a while.
Also, it has to be noted that Dental Insurance does not cover for treatments which were taken prior to availing the insurance cover. Additionally, Dental Insurance doesn’t cover in its cosmetic treatments and dental implants. So if you are looking for getting some cosmetic implants or resetting your smile, then you will have to solely bear the costs without any insurance cover applicable over it.
When is it useful?
The biggest plus of Dental Insurance is it pushes individuals to take preventive care of their oral health. If you are someone who happens to attend regular cleaning sessions and checkup for fillings then dental care falls apt for you.
So, if you are looking for seeking Dental Insurance that covers your dental emergencies and routine procedures then you can consult your dentist for suggestions as to which insurance cover fits best for you and save huge bucks on your dental care.