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Dental Insurance Pros and Cons

There was a time when a good, comprehensive healthcare package offered through an employer included not only healthcare coverage, but also dental coverage. Times are changing, and more employers are eliminating dental coverage as part of an effort to reduce healthcare costs.

At the same time, the cost for annual dental care is on the rise, with a routine dental visit - which includes an examination and cleaning - costing anywhere from $100 to $200, depending on location. Add in x-rays, fillings for cavities and the occasional (and dreaded) root canal, and an individual can leave a dentist's office owing well over $500 for services rendered.

Thankfully, there is the option of dental insurance. Most plans, which cost anywhere from $7 to $50 a month, cover preventative oral healthcare procedures, as well as providing partial reimbursement for other dental procedures such as cavity fillings and diagnostic services.

How do you know if dental insurance is right for you?

First consider how much you spend on dental care annually. If you are spending more than $1,500 to provide dental services to yourself and your family, then it may be time to consider dental insurance. If you have ongoing dental issues, such as receding gum lines, then dental insurance is probably a good deal to help offset any future costs.

Let's discuss in full detail the pros and cons of having dental insurance.

First, let's talk about the pros of having dental insurance.

Now let's discuss some of the cons of dental insurance.

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Dental Insurance In The News

Dental and vision insurance: Wellness benefits

According to PricewaterhouseCoopers' Health Research Institute's annual report, poor wellness and prevention habits are once again expected to drive up medical costs in 2019. Rising health care costs ...

Published:  Fri, 16 Nov 2018 08:03:00 GMT

How U.S. seniors on Medicare can bridge the gap in dental insurance

CHICAGO (Reuters) - During a recent visit to my dentist, we got talking about his frustrations with Medicare. "It's amazing - they have managed to eliminate teeth from the human body." Here is what he ...

Published:  Thu, 15 Nov 2018 03:16:00 GMT

Dental insurance usually not high priority

Medical, auto and renters are some insurances people ensure they have. However, dental insurance isn't high on the list. According to Dr. Stephen H. Parker, owner and orthodontist at Parker & Streem O...

Published:  Wed, 14 Nov 2018 07:46:00 GMT

On the move at Delta Dental, UA, Tempe Chamber, Esperaní§a

Prior to joining Delta Dental of Arizona, Hess served as the interim director at the Arizona Department of Insurance, where she was responsible for directing and managing the operations of the ...

Published:  Fri, 16 Nov 2018 06:41:00 GMT

Dave Ramsey says: Mom questions continuing dental insurance for kids

Dental insurance is one of those things where it's easy to see that the payout is greater than the return. We've had dental insurance proposed to us at my company several times as an employee ...

Published:  Tue, 13 Nov 2018 10:30:00 GMT

MDS Partners with Bento to Provide Insurance Alternative

The Massachusetts Dental Society (MDS) has named Bento, a dental benefits management software platform, as an exclusive partner to provide its members an alternative to insurance. Bento is designed to ...

Published:  Fri, 16 Nov 2018 13:48:00 GMT

The only dental relief for many in this West Virginia county is extraction

A disproportionate amount of residents here rely on medicaid and medicare as their primary health insurance. Because those programs don't cover dental in a meaningful way it's led to a dental health c...

Published:  Sat, 17 Nov 2018 14:16:00 GMT

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