5 Reasons Why You Should Have Dental Insurance

When it comes to your dentist, you are assured of two things. First, it’s certain that you’ll have visited this person at least once in your life; and second, it will cost you to visit this professional. The sad fact of life is, dental care isn’t always covered by health insurance policies. There are only some that provide supplemental dental insurance at an added monthly cost. But don’t lose hope because there are many employers that willingly provide group dental insurance.

Proper Oral Hygiene Can’t be Done 24/7

The first reason why you should have dental insurance is that you need to have added oral care. Even if you think that you practice the strictest oral hygiene, still, you will need the help of your dentist in giving you deep cleaning and other oral care.

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Deeper Care for Teeth and Gums

You can be brushing every meal yet this will not guarantee that you will never have any oral problems. Oral prophylaxis, for instance, needs to be done twice each year – and only your dentist can clean your teeth more intensely. Any gum problems can also be addressed if you visit your dentist right away.

Dental Insurance Should Cover Accidents

While you say that you take good care of your teeth so you will never worry about cavities, there is still that slim chance that you would accidentally trip or get into a serious accident which would result in a broken or chipped tooth. Even when you go through great lengths to steer clear of your dentist, an accident will, inevitably, bring you to the dentist’s office. Tooth replacement or a dental implant can cost $1,000 so if you look at it in the long run, you’d know that $15 each month isn’t too much to shell out!

For Preventive Care

You need not experience any accident or illness just so you can enjoy your dental insurance. You can also go to your dentist and have regular dental checkups in order to make sure that you are free from oral diseases.

Braces Can Cost Much Cheaper with Dental Insurance

It goes without saying that dental insurance can take substantially lower the cost of braces. You can look for plans from HMOs or PPOs. The downside to choosing this is that you will need to go to dentists that work within a set network. These plans greatly help when you are considering braces for adults. If you’re lucky, you can even find dental insurance that fully covers the cost of the braces. The thing is, it will cost more to pay the premiums each month but you’ll have more leeway to choose the dentist that you really prefer.

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Here’s a list of the top dental insurance providers in the country –

  • Delta Dental
  • Aetna
  • GE Wellness Plan
  • Dentemax
  • DHA Access

Dental Implant Insurance

Dental implant cost is rather high and can be prohibitive for most people, it is, therefore, a good idea to get dental implant insurance to bring down the costs of this expensive procedure to manageable levels.

However, the reality is that most insurance companies do not cover the cost of dental implants.

The main reason for this is that implants are taken to be elective or cosmetic surgeries like breast implants or tummy tucks and therefore not essential. Another reason is the cost of dental implants.

Dental implants are rather pricey and insurance companies are rather hesitant to carry this cost as they are in business to make a profit.

How To Get Dental Implant Insurance

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The good news is that there are increasingly more insurance companies offering dental implant insurance. This is not a separate coverage from your medical or dental insurance, rather an inclusion in your insurance contract. Most dental insurance plans cover routine dental treatments and tooth emergencies. If you already have medical or dental insurance, look through the policy carefully to see if it specifically excludes dental implants. It would be a good idea to consult your insurance agent or your dentist to find out if the dental implant cost will be covered by the insurance contract.

Under most, if not all circumstances, dental insurance that covers dental implants will have high premiums. These insurance policies will typically include several limitations to dental implant treatment coverage. One very common limitation is that the policy will not cover a pre-existing condition, that is if you needed a dental implant procedure before you took the insurance cover, the company will not pay for the procedure.

Dental Implant Insurance Limitations

Another common limitation is that there may be a waiting period of a minimum of one year after taking insurance coverage before a person becomes eligible for dental implant coverage. Most dental insurance will have a maximum sum insured, a maximum limit per year that they will pay out for dental treatment. This amount may not cover the whole cost of your dental implants but at least it will reduce the cost you have to bear. It is important to seriously research your insurance options before signing up for a particular plan. Consult your dental implant insurance provider about the inclusions and exclusions in his dental plan.

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