Should Your Family Buy Dental Insurance?

Should Your Family Buy Dental Insurance?

Good oral health is very important because it can prevent serious diseases and infections. However, the costs of regular care can add up and you might need to consider dental insurance. Having dental insurance can help cover the costs, but make sure you review all the factors first.

Consider Your Needs

Before jumping in with two feet, take a moment to think about the needs of your family. One thing to think about is the number of people in your family. If you have a relatively small family, it may be easier to pay out of pocket since you will have fewer people to cover the cost of. Larger families may struggle making out of pocket payments. You can also consider the hygiene of your family. If everyone practices good oral hygiene, you may have less need for dental care and it would be easier to pay out of pocket every once in a while. You should also consider how feasible it would be to pay for more serious needs.  While you might be able to afford regular cleaning out of pocket, it may be harder to cover other unexpected dental work including braces.

What’s Not Covered

It’s also important to know what is and isn’t covered by insurance. This can help you know whether or not it will be worth it for your specific needs. For example, cosmetic dental work such as dentures or veneers are not always covered. Traditional dental veneers can typically cost up to $1,500 per tooth. Certain oral surgeries and other services might not be covered. This includes root canals, crowns, or implants. There are some plans that may provide money towards these services, but it’s still likely that you will be responsible for the majority of the cost.

Different Types of Plans

While considering whether or not to purchase dental insurance, you should be aware that there are different plans and their price and coverage vary. Some plans have certain requirements or limitations. In plans like this, such as a Dental Preferred Provider Organization (PPO), your costs will be lower but you have to see only dentists within the network. Plans such as Dental Indemnity Plans, give you more freedom but at a higher cost. Consider your financial situation as well as your preferences as you review different plan options.

Dental insurance can be very helpful for covering the costs of your dental care. However, dental plans are not one size fits all. Before purchasing a plan, make sure you review your needs and determine what will work best for you and your family.

Read this next: Why Many Families Go Underinsured and Why It’s Risky

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