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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

Oklahoma City dental practice offering free services for one day in October

... day dedicated to providing free dental care to the growing number of Americans without dental insurance. Residents in the Oklahoma City community and surrounding areas will have the ...

Published:  Tue, 18 Sep 2018 04:40:00 GMT

Penn Dental Medicine Awarded $1M Scholarship Grant from Delta Dental Community Care Foundation

... Foundation is the philanthropic arm of Delta Dental of Pennsylvania and its affiliated companies including Delta Dental Insurance Company, Delta Dental of New York, Inc., and Delta Dental of Calif...

Published:  Tue, 18 Sep 2018 04:00:00 GMT

Is Dental Insurance Worth it 5 Questions Independent Dentists Say to Ask

WINTER PARK, Fla., Sept. 12, 2018 /PRNewswire/ -- Does your family need dental insurance As open enrollment season approaches now is a good time to re-evaluate what health benefits you really need, a...

Published:  Tue, 11 Sep 2018 09:50:00 GMT

Free Dental Services Friday At Mokena Crossings

Free Dentistry Day was created to help the approximately 108 million Americans who live without dental insurance. Dr. Stephen Jarvie and Dr. Rachit Goyal at Mokena Crossings are proud to be apart ...

Published:  Mon, 17 Sep 2018 14:59:00 GMT

Superior Dental Care Introduces Dental Plan with Multi-Year Rate Guarantee, Benefits that Increase Annually

"In an environment of ever-increasing health insurance costs, our Maximum Advantage Plan strikes the perfect balance between superior dental benefits and stable rates. A dental plan with a multi ...

Published:  Mon, 17 Sep 2018 06:08:00 GMT

Should dental insurance have mandated medical loss ratios

September 11, 2018-- The Patient Protection and Affordable Care Act (ACA) requires that health insurance plans spend a certain amount of premium dollars on medical care and quality improvement, known ...

Published:  Tue, 11 Sep 2018 00:30:00 GMT

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