Top 2 Reasons Dental Insurance is Worth It

You know you’re supposed to visit your dentist at least twice a year, but dental care can be expensive, especially if you don’t have insurance. If you don’t have any current oral health concerns, routine visits and monthly premiums can seem like a waste of money, but this couldn’t be further from the truth. Dental insurance is an investment in a healthy smile and reduced oral health expenses–that is if you actually use it. Although more Americans than ever have dental insurance, only 2.8% of adults meet or exceed their annual limits. You don’t have to throw money away. Here’s why dental insurance is worth every penny to save money down the road.

1. 100% Preventive Coverage

Brushing and flossing are crucial to keeping your teeth and gums healthy, but your home oral hygiene routine is only half the care you need. The American Dental Association recommends a cleaning and checkup at least twice a year, even if you don’t have any concerns. A cleaning removes anything left behind by your toothbrush and floss, while a checkup allows your dentist to monitor your oral health. A semi-annual appointment can stop common dental issues from occurring to preserve your natural smile and avoid an unexpected bill later.

Research shows every $1 spent on prevention can save up to $50 on restorative and emergency costs. Dental insurance allows you to get the care you need for a copayment. Your benefits will pay 100% of the fees for preventive dentistry, so you can keep your smile healthy, even if money is tight.

2. Avoid Unexpected Dental Expenses

Your dental coverage gives you access to an annual allowance to offset the cost of common restorative treatments. You won’t have to let minor dental problems go untreated. After reaching your deductible, dental insurance can pay up to 80% of the cost of restorative treatments.

If you wait too long to treat the problem, it can lead to a dental emergency. Although you may never expect it to happen to you, 1 in 6 Americans has a dental emergency annually. Many patients end up at an emergency dentist from an untreated issue, like decay that has led to an infection. You can restore your oral health quickly, so you don’t need a dentist when you least expect it. You’ll avoid a costly restorative treatment later by maximizing your coverage.

Use It Before You Lose It

Dental insurance resets at the end of the year, and you don’t get reimbursed for anything you don’t use. Paying for a policy is a smart investment in your oral and general health if you take the time to use it before it expires.

About Dr. Gary A. Rosenfeld

Dr. Rosenfeld has over 35 years of experience in dentistry. Besides earning his dental degree, he regularly continues his training to offer innovative technologies and treatments. He works with many dental insurances to keep his services affordable. If you need to maximize your dental insurance, contact our office today to schedule an appointment.