Most health insurance plans come with limited dental coverage. It is common for your employer to offer separate dental plans or dental benefits at an additional cost. The question is, do you need it? Some cynics would say the moment you don’t have insurance is when you will discover you need it! However, some common sense can come into play with dental insurance.
If you are young and only visit the dentist once or twice a year for a cleaning, it may be cheaper to pay out of pocket for the cleanings instead of paying on a policy that hardly gets used. If you are older and experiencing more and more dental problems, insurance could be more cost effective. Individual procedures are expensive. A crown can be over $1000.00, and a root canal can be anywhere from $500.00 to $1000.00.
Parents of teenagers who are worried about the cost of braces should look for a policy that covers that particular procedure. In fact, if you decide to purchase dental insurance read the small print and see what it covers exactly. You don’t want to be surprised when the bill arrives to find you have to pay out of pocket for a procedure and pay your insurance premium as well because it didn’t cover it. For advice on dental insurance, stop by your dentist’s office and see what plans they accept and what plans they recommend.