Canít afford the relatively high costs of dental insurance?
By Susan B
Most dental insurance plans are only designed to cover basic care such as twice yearly cleaning and exams and routine x-rays. Many people make the mistake of thinking that just because they have dental insurance, the insurance will cover things like root canals, crowns or other extensive reconstructive work. Even though this type of work isn't considered cosmetic, most dental insurance plans will only cover a portion of this sort of treatment, if anything is covered at all.
Deductibles and Co-payments
People who purchase dental insurance must also pay a deductible before the insurance kicks in on things for which they make full or partial payment. It's important to sit down and think about how much you will have to pay each month in order to get dental insurance, how much that insurance is actually paying for, and whether or not you're getting back more than what you're paying out in actual services.
To determine whether or not dental insurance is cost effective for you, find out what your monthly premium is, and then multiply that by twelve. Figure in the amount of your deductible, and then calculate how much you'd spend on your routine dental appointments each year. Since most policies cover basic cleanings and exams, once you've paid your yearly deductible, you've got to subtract that from what is covered. Also realize that the deductible applies for every member of your family.
Create Your Own Dental Savings Account
For many people, a wiser way to go would be to put the money they would have spent on a dental insurance plan into a saving account that is reserved for dental expenses. For extensive work that isn't covered, there is a special type of credit card that can only be used for things like medical, dental and vision care, and as long as you can pay off whatever is owed in the time frame you specify, there is no interest to pay on the bill. In the end, make sure that if you are paying for dental insurance, that you're not paying more than what you'd pay for the service if you didn't have the insurance.
If you are someone who has a history of ongoing dental problems, or you've got a dentist who writes off a portion of the cost of services, there may be an advantage to having coverage. If you generally only see the dentist twice a year, the amount you'd pay on monthly premiums, plus the deductible may mean that you wind up paying more for your insurance than what the insurance is actually covering for you.
Dental Plans Frequently Asked Questions
What is a direct reimbursement dental plan?
What are the real benefits of flossing?
A little toothache isnít that big a deal, right?
Can diet soda cause cavities?
Is brushing twice a day enough to keep cavities at bay?
Are you prepared for a dental emergency while traveling?
Looking for the best dental programs available?
Does the kind of tooth brush I use really matter?
Can drinking milk really make my teeth stronger?
Is there a best dental plan for everyone?
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Overwhelmed by the number of dental plan options online?
Donít think you need a dental health plan?
Nervous about purchasing a dental plan on the Internet?
How important are my teeth, really?
Are electronic-based insurance providers super competitive?
How can I pay for braces if my dental plan doesnít cover them?
How can I reduce the number of dental plan choices I have to choose from?
Will my dental insurance help cover the cost of whitening my teeth?
Do over-the-counter whitening strips really work?
What can I do to improve my smile?
Is chewing ice bad for my teeth?
Is cosmetic dentistry the same thing as cosmetic surgery, but on my mouth?
What can I do to close the gap between my front teeth?
Is there such a thing as cosmetic dentistry insurance?
How do you correct the color and/or shape of a tooth?
What is the best way to prevent cavities?
Canít afford the relatively high costs of dental insurance?
Looking for an affordable dental insurance policy that offers the greatest variety of dentists?
Do eating disorders affect one's teeth?
Do certain vitamins help me maintain good dental health?
What are the basic kinds of dental insurance?
What kinds of fillings do dental insurance companies cover?
Will my insurance cover the cost of fixing my knocked out tooth?
Is smoking really that bad for my teeth?
What is gingivitis?
Tired of filing claims forms with your dental insurance company?
Iím going to lose all my teeth as I grow older, right?
Does your dental plan rely on a least expensive alternative treatment approach?
What is a canker sore?
Whatís the difference between a dental health plan and a dental insurance policy?
Should I have my old mercury-based fillings replaced?
Are there any over-the-counter medications available for gum disease?
Need treatment now for your aching tooth?
If I practice perfect dental hygiene, do I still need to a dental plan?
Do I really have to get my wisdom teeth removed?
How do you see a dental health specialist without a referral?
How do I know if I have oral cancer?
Need some work done on your teeth that is not covered by your insurance company?
Are your battle scarred teeth sending dental insurance companies running for the hills?
Canít afford to wait for dental insurance companies to reimburse you?
Are you afraid that you may exceed an insurance policyís annual maximum?
You must have poor dental hygiene to have gum disease, right?
When exactly will a discount dental plan save me money?
Worried that you’re going to have to start footing the bill for your recent high school grad’s dental insurance?
How much toothpaste is enough?
When should I find a dentist for my baby?
What is baby bottle tooth decay?
Are there dentists who specialize in infants and toddlers?
Is teething really the nightmare that Iím told it is?
Does pregnancy affect my teeth?
Can poor treatment of a childís baby teeth lead to less healthy adult teeth?
Is rinsing with Listerine really as effective as flossing?
Can improving my childís diet really help prevent tooth decay?
How do you find a dentist that will work with your dental health plan?
What bad habits really affect teeth?
Are you afraid to go to the dentist?
What can I do to ease a toothache?
How do you find a dentist that is actually good?
How do you filter the good dentists out of the huge number of dentists around?
Are your teeth sensitive to cold or hot temperatures?
How do I find a good family dentist?
What is tartar?
Is your employerís group dental coverage insufficient for your family?
Is the cost of a group dental plan intimidating to your small business?
Looking to provide your employees with dental health coverage but are deterred by the associated costs?
Is chewing gum bad for my teeth?
Are there any catches involved in a group dental plan?
What kind of floss should I use?
Should my employer provide dental coverage for my partner?
Think thereís no reason to provide group dental insurance to your employees?
Where should I keep my toothbrush?
What does good tooth brushing form really consist of?
What is a waiting period?
Does the type of filling I get for my teeth matter?
Will my dental plan cover my dentures?
Want to avoid the months-long gap in coverage when you first start a new insurance plan after being uninsured?
Can drinking alcohol cause damage to my teeth?
Is brushing your tongue important?
Canít afford rinsing with Listerine every day?
Do I really need a dental plan?
Does your family dental plan cover braces for your kids?
Are dental braces as unaffordable for you as they were for the serfs of Ancient Egypt?
Donít want your kid to be called metal mouth?
Does dental insurance cover designer dental treatments?
When should I first bring my child to an orthodontist?
Donít think your crooked teeth look that bad?
Is thumb sucking that bad for my toddler?
Do I need to brush more often when I get braces?
Are dental insurance an orthodontist the same thing?
What are the benefits of flossing?
Do I need an expensive dental plan?
Can I afford a dental plan?
What is a LEAT policy?
What causes a canker sore?
Does dental insurance cover enough to make the cost worthwhile?