Do you have a dental insurance policy? If you rarely or never use your benefits, you might wonder if it is worth it to keep paying your monthly premium. But did you know that your plan can actually be a big money-saver for your family? It is a valuable provision that can do much for your oral health and your budget. How is that the case? This blog post explains.
Insurance Covers Preventive Care
It is common for dental insurance plans to completely cover the cost of two cleanings and exams each year. You may also have complete coverage for X-rays and other diagnostic services. If you visit your dentist every six months and use your available benefits, the monetary value of the care you receive may exceed the annual cost of your insurance plan.
You Can Avoid Expensive Services
If you diligently visit your dentist twice a year for a cleaning and checkup, you give them the opportunity to diagnose oral health problems while they are still in their early stages. In fact, they might notice such issues well before they start to cause any noticeable symptoms. If you need restorative care, you are likely to enjoy quick, minimally invasive, and affordable treatment. For example, if you need a filling for a small cavity, your insurance might pay for up to 80% of the cost of your procedure.
On the other hand, if you do not use your insurance to attend regular cleanings and exams, you might be unaware of oral health problems until they become serious. A small cavity could develop into severe decay. You might need root canal therapy and a crown. You might even require an extraction followed by tooth replacement. Without insurance coverage, such services can easily cost thousands of dollars.
You Can Protect Your Overall Health
Did you know that there is a strong link between oral and overall health? For example, untreated gum disease is associated with an increased risk of heart attack, high blood pressure, stroke, dementia, and other serious conditions. If you use your dental insurance to maintain a healthy smile, you may reduce your risk of systemic illness. You may therefore enjoy a better quality of life and lower overall care costs.
Is dental insurance worth the money? Yes! Use your benefits regularly. Both your smile and your budget will thank you.
Meet the Practice
The All Dental team proudly provides top-quality general oral health services to patients in our community. We accept more than 200 different dental plans, including ones from popular companies like Delta Dental, MetLife, Guardian, and more. We will be happy to help you figure out how you can maximize your benefits. Contact our Watertown office at 617-924-9993 to learn more about how we can serve you.