If you are hardly using your dental insurance you may be wondering, is dental insurance worth it? The obvious answer is, of course, it is but only if you are using it. Dr. Stout, a Family Dentist in Charlotte NC, encourages patients to come in for a dentist office vist at least once or twice per year. Most dentist would agree with this schedule. In keeping this schedule, it would be nice to have dental insurance that will help you save on out-of-pocket expenses for your visit.
We all know, teeth are essential for both oral and overall health. Not to mention, enjoying delicious food and chewing food properly is a luxury in life not afforded to those who don’t take care of their oral health. Furthermore, having a confident white smile can help to boost your confidence in both personal and professional settings.
In order to ensure you are able to have access to good dental service, you need a good dental care plan or find a practice like Stout Family Dentistry that will allow you to be seen without traditional insurance. Some health insurance comes with an integrated dental plan and this might be a cost saving option that you’d want to look into as well. Yet, there are also stand-alone dental plans that only cover dental and oral issues. Before you get a dental insurance plan, ask yourself the following.
What is the best Dental Insurance plan?
The best dental plan for you can depend on what you can afford and what services you’re interested in having covered. For most people, cost is the major factor in the decision-making process. Don’t just assume that the more it covers, the better plan. Extensive dental coverage often time comes with a higher premium. While lower premiums can be found when you opt-in for a plan that covers the essentials. Therefore, the best plan is a delicate balance between annual maximum premium and dental coverage.
How to get the best Dental Plan?
Dental insurance company like Cigna Dental, Aetna, and United Healthcare offers several options. It is up to you to find a plan that fits you best. Here is what you can do to create a list of options for dental coverage:
1. Set your Budget
Firstly, you’ll need to be realistic about what you can afford. When you are a single adult with no dependents, you’ll likely have more to contribute to a dental care plan. However, the insurance expense for a family will be a bit higher of course since you’re covering more people. Consider what amount you and/or your family can afford to contribute to an insurance plan weekly or monthly and base your final decision on this.
2. Decide what dental need you have
We all have different needs for our oral health, some of us have maintained good oral health so extensive coverage is not necessary. While there are those who have not done so. You may be able to choose a plan with extensive coverage if you have major dental issues, and then change the plan later to one that is more affordable once you’ve got the bulk of your issues resolved.
3. Choose a Dentist you can afford
Choosing a dentist that you are comfortable with is the first priority. Second to that is to choose one that you can afford. It is definitely possible to find a dentist in your area like Dr. Stout. One with a good reputation and has been serving families for generations, in some cases, Dr. Stout is serving the 2nd and 3rd generation of a family, they are those whom he has been seeing for 20 to 30 years. So yes, it is possible to have both, comfortability and affordability.
Your insurance company will give you a list of practitioners who are “In-Network”. Don’t feel obligated to choose a dentist from this list if you are not comfortable with any of them or feel you are unable to afford their services. Most insurance companies will allow you to see a dentist that you are comfortable with and is out-of-network. Cost for services may change if you decide to do so.
How much does Dental Insurance cost?
On average, Americans pay around $360 per year for dental insurance. The monthly cost ranges between $15 to $50. The price can depend on many factors like whether or not you have a plan from your employer or not. Plans that are initiated through your employer can save you more money than paying insurance alone
Dental insurance plans come with coverage or maximum annual benefit. The amount ranges from $1000 to $2000. Despite having a reasonable coverage amount, only 2 to 4% of Americans exhaust their maximum coverage. So it is unlikely that you will reach the maximum limit unless you have procedures like a crown or root canals.
What does the Dental Insurance cover?
Preventive care includes teeth cleanings, annual examination, X-Rays and such. This is the annual dental check-up that is covered 100% under most dental plans.
Basic Dental Procedures
Basic procuders are tooth extractions, and fillings. A typical dental plan covers 70-80% of these procedures.
Major Dental Procedure
Major dental procedures include root canals, crowns, implants, or dental bridges. Your dental health care plan may cover around 50% or more of those expenses.