Many people wonder if it is really worth it to have dental insurance. After all, how important is it to get a dental checkup and teeth cleaning? Can I just pay for services when I really need them, like when I actually have a toothache? The simple answer is, yes, you can. But you never know when that toothache is going to strike, and it could happen when your cash flow is already overwhelmed by something else like a broken-down vehicle or after storm damage. Not to mention, when your tooth starts aching, the damage is probably far worse than it would have been had you been getting your regular cleanings and checkups. More damage means more money out of pocket for you.
Savings
One of the biggest reasons to get dental insurance, as we have already touched on, is to save on dental procedures. When you have dental coverage, there are some routine services like cleanings and checkups that are fully covered. Other services are available at a significant discount. And who does not like to save money. Yes, dental insurance is optional. However, did you know that many dental insurance plan premiums are as low as $15 a month?
Cosmetics
Everyone feels better about themselves when they like how they look. One thing that can make you feel better about your appearance is having a bright, healthy smile. Having dental insurance enables you to get your smile looking its best through routine services and even specialty cosmetic services like whitening treatments and, in some cases, braces to straighten your teeth as well. Working with your dentist and your dental insurance, you can gain the confidence you want by improving your smile.
Health
The eyes are the window to the soul, and the mouth is the window to your health. Many times, what is going on in your mouth is a clue to what is happening in the rest of your body. For instance, gum disease can be an indicator of heart disease as well. Many other diseases, including diabetes, osteoporosis, and even Alzheimer’s have oral symptoms that your dentist can identify and diagnose. The earlier some of these diseases are diagnosed, the more can be done to treat them.
Emergencies
Dental emergencies happen. If you are playing sports and get hit in the mouth, for instance, dental damage can be quite painful and costly to repair. If you have children, dental emergencies are all but guaranteed at some point due to the rough and tumble nature of their play. With dental insurance, the cost of repairs to their teeth are greatly reduced. Plus, with dental insurance you will already have a relationship with a dentist, so you will not be left scrambling to find one who can squeeze you in when the emergency happens.
In Conclusion
All in all, dental insurance is optional, but it is something that is beneficial to you and your family. Taking care of your teeth is another way to maintain your overall health. And many plans are much more affordable than you may think.