These days, it can be hard to justify spending money every month on something you may or may not need. The hard reality is that the moment you decide not to invest is when you need a particular service the most. While many people view dental insurance as one of these “unnecessary expenses,” it is actually one of the most valuable if you commit to using your benefits. Keep reading to discover 3 reasons why you won’t regret enrolling in a plan.
Reason #1: Dental Care Becomes More Affordable.
While you are required to pay a monthly premium to have dental insurance benefits, your plan offers preventive and restorative services that are covered partially or in full by your insurer.
You must meet your deductible each year before you can expect to pay less for treatment. However, if you require a dental crown, root canal, or tooth extraction, you can expect to avoid paying the full amount because your insurance company may cover anywhere from 50-80% of the bill.
Reason #2: It Reduces the Risk of Future Oral Health Problems.
When comparing plans, you’ll notice that many companies design theirs using a 100-80-50 model. What this means is that in some cases, 100% of preventive services are covered. These include dental checkups and cleanings, X-rays, and more.
These foundational treatment options serve as the basis for good oral health, and dental insurance companies know that. As a way to encourage you to take advantage of your two preventive visits each year, your insurance carrier will ensure you pay little to nothing at all.
By seeing your dentist twice each year, you not only get to keep more money in your wallet, but you also reduce your risk of developing more serious oral health problems down the road.
Reason #3: It Ensures You Pay the Lowest Price.
Dentists who are in-network with various dental insurance plans make it possible for individuals like you to pay the lowest possible price each time you come in for preventive or restorative care. This is possible because the dentist and insurance company pre-negotiate terms and rates ahead of time.
Instead of worrying about negotiating with your oral healthcare professional about the financial aspects of treatment, you can trust that what you’re paying for your dental filling, crown, or dentures is the most affordable rate.
Having dental insurance is one of the most worthwhile investments you can make. Not only will your smile and body reap the benefits of regular oral healthcare, but the small monthly payment you’ll make to keep your plan will help you embrace a better quality of life.
About the Author
Dr. Chelsea Director has more than 15 years of experience in the field of dentistry and enjoys working alongside all kinds of patients. From children and those with intellectual and developmental disabilities to adults and seniors, she devotes herself to providing exceptional, one-of-a-kind care. Her service and results speak for themselves, but her status as an in-network dentist with multiple PPO plans allows for more accessible and affordable treatment. If you are curious whether we take your dental insurance, contact us at (818) 233-0909 or visit us online for more information.