The Option of Getting a Dental Coverage Plan: Is Dental Insurance Really Necessary?

Having Dental Insurance Helps You To See A Dentsit Regularly

Although dentists tend to encourage just about anyone and everyone to go see a dentist twice per year, a lot of people choose not to. According to the American Dental Association, up to 40% of adults who haven’t seen a dentist during the past year claim that their main reason is money. Unfortunately, this problem isn’t fully solved by dental insurance plans, which only offer limited assistance and discounts at best. So, under the circumstances, is it really worth getting a dental insurance plan?

 

There are many different types of dental coverage plans. Some of them tend to cover preventive care to a greater extent, while others also offer better coverage for more expensive procedures. Regardless of which plan you choose, paying the minimum amount will not land you with a lot of benefits. However, there are still some you might want to consider:

 

  • The most common plans are dental PPO plans. These insurance policies will pay for your cleanings and preventive dental costs in full, while also providing you with 80% off common procedures like cavity fillings.
  • For a cost between $200 and $400 per year, you can get an affordable dental plan through your employer, which could also cover the costs of more expensive procedures such as visiting an invisalign Highlands Ranch dentist.
  • Dental discount plans are also an option if you don’t have a lot of money at your disposal. The cost can be as low as $70 per year for each individual, and the benefits include being part of dental savings programs that operate more like membership programs, rather than regular dental insurance.
Straighter, healthier teeth and confident smile with Invisalign® treatment options

Don’t let Dental Insurance dictate your Oral Health

“I only want to do what my dental insurance covers”. That is a phrase we hear often from patients who don’t want to have any out-of-pocket cost at their dental visit. Unfortunately, many don’t understand that this may prevent them from taking the best care of their teeth.

In reality, most dental insurance companies have not increased their benefits to their patients since the 1970’s. So the $1,000 annual maximum that they may pay for you today is the same as it was back in the 1970’s. The cost for dental services have increased, however, so you are getting less dental care paid for by your insurance today than you did 40+ years ago.

Similarly, their willingness to accept and pay for new technology also lags severely behind. For example, technological advances in laser treatment can make a substantial difference in improving your periodontal (gum) health and reducing bacteria in your mouth. Unfortunately, the insurance companies don’t yet recognize these benefits and refuse to pay for them. Even fluoride, which most insurance companies will allow for children, most likely won’t be covered as an adult. They know it can help improve your oral health so why decide you no longer need it after age 14? As a result, the patient that doesn’t want to pay any extra out-of-pocket cost at their visit is allowing their insurance company to dictate their oral health. Again, this is the same company that refuses to acknowledge that dental costs have increased and technologies have improved over the past 40+ years.

We do our best to help educate our patients about how dental insurance works. Our office prides itself on offering comprehensive dental care for all of our patients and this includes informing you of all treatment that needs to be done. Just as you would expect your primary care doctor to tell you everything that may be going on with your body, it is our responsibility to tell you everything that is going on with your oral health.  This also includes everything you can do to help prevent further issues from occurring, such as laser assisted perio therapy, regular fluoride treatments or laser bacterial reduction which most likely are not covered by your insurance.

We believe strongly in our technology and will always recommend treatment that can help improve your oral health. We encourage you to ask us questions about how it works, why it is important, and how it can make an impact on your life.