Are you looking for ways to cut back on spending? Perhaps you eat out less often than you used to, and maybe you have been canceling some unnecessary subscriptions. But what about your dental insurance? Is that a superfluous expense, or is it worth paying for? This blog post aims to help you answer that question. It shares some outstanding ways in which your dental policy could help you save money year after year.
Preventive Care Is Totally Covered
Most dental insurance plans completely cover the cost of preventive care. You may be able to attend two cleanings and checkups each year without paying anything out of pocket. Your policy might also cover diagnostic services, such as X-rays, as well as one emergency exam each year. Altogether, the value of such services usually exceeds the annual cost of a dental insurance policy.
You Can Prevent Expensive Procedures
In most cases, the need for extensive — and expensive — dental treatment arises as the result of a longstanding problem that did not receive care in a timely manner. For example, if you do not use your insurance to attend regular checkups, you might not know that you have a small cavity. The cavity could grow until it causes significant pain. You might need root canal therapy and a crown to restore your oral health. Such services can cost quite a bit of money, even with insurance coverage.
On the other hand, if you use your policy to visit your dentist regularly, they can often diagnose cavities well before they become serious. You might just need a small filling. With your insurance, you could end up paying just 20% of the total cost of your treatment.
You Can Protect Your Overall Health
Research has established a strong link between oral and overall health. For example, advanced gum disease is associated with an increased risk of heart attack, stroke, diabetes, preterm birth, and dementia. If you use your insurance to maintain your oral health, you might delay or even prevent the onset of some serious medical conditions. Therefore, you may enjoy an improved quality of life and lower overall care costs.
Is dental insurance worth paying for? That is up to you to decide for yourself, but most people find their policy to be an invaluable resource if they use it properly.
Meet the Practice
Our practice features a large team of general dentists and specialists. We proudly accept more than 200 different dental plans, including ones from popular companies like BlueCross BlueShield, Guardian, Aetna, and more. If you would like to learn how we may be able to help you maximize your benefits, contact Family Dental Practice of Newington at 860-856-6201.