Should I Get Dental Coverage?

As most of you likely know, health insurance will cover most everything you could need—that is except for your teeth. Even with this fact being explicit, dental visits are still pertinent for your heath and fortunately don’t need to take a huge chunk out of your wallet. Like your vehicle, it does not take long to spend thousands on various procedures—crowns can cost around $1,500 a piece while root canals can run between $300 and $1,000. Even regular cleanings can land around $100 or more. Dental visits aren’t exactly cheap, which is why it’s wise to seek the right coverage.

Not Health Insurance

When it comes to health insurance, it works by the deductible being paid and then significantly smaller portions for the remainder of your bill. However, dental insurance does the opposite—patients receive a specific coverage amount, and then they're on their own for paying the bill’s balance. Once patients hit their annual maximum, they must wait until the following year for additional work or cover the expenses out of their own funds.

Why are Maximums Low?

If a crown and root canal combination can cost about or more than $2,500, how come the yearly coverage maximums are so low? According to Delta Dental, who are among the largest dental coverage providers, the premiums businesses and individuals would get charged for much higher maximums might be too excessive cost-wise. Also, per the National Association of Dental Providers, fewer than three percent of those who are covered by dental benefit plans will reach their maximums during the year.

Coverage Costs

If possible, see if your employer offers dental coverage for employees and their families, as many companies often offer dental plans in addition to regular health insurance. If you must pay your own coverage, you should expect to be paying $12 to $50 per family member each month. Other plans will allow for payment of one yearly fee, thereby qualifying you and your family for covered cleanings and discounted procedural rates, such as our family discount dental plan. Taking of advantage of plans like these can result in considerable savings on costs over time.

Bottom Line

Dental costs, especially when we get older, can pile up and get expensive, which is why dental coverage is often appropriate for people and their families. If your employer doesn’t provide dental coverage, or they don’t provide plans that are right for you, then you should check out Wellness Dental Plans and see if our family or individual discount dental plans are a match for you.

For more information about our New Hampshire discount dental plans, click here.