YOU ASK:

Does it pay to have dental insurance?

WE ANSWER:

Yes, we can confidently say it does.

For one, dental insurance covers routine check-ups and preventive treatments. These alone can accumulate into a considerable amount. Remember, you should go to your dentist for routine check-ups twice a year. In addition, you will need to have regular dental cleanings, fillings and so on. Routine preventive procedures are covered under a dental insurance policy.

Other treatments are also expensive. For instance, you may need to shell out from $500 to $3,000 for each tooth that needs a crown. Treatment for impacted wisdom teeth may cost a little lower than this.

Another thing you have to consider is that even if you practice good dental hygiene (you brush your teeth and floss regularly and stay easy on the sweets), you will still need to prepare for the unexpected. Accidents and other things beyond your control can happen. You may bump into someone or something, you may crack a tooth as you are biting into something hard. A lot of things can happen that can result in your needing your dentist's attention and treatment.

When you compare the cost of dental insurance with the possible expenses you may incur during the time the policy is effective, you can say that getting the coverage is well worth it. Having the coverage provides you with the peace of mind that comes from knowing that someone has your back in case you need dental treatments. You can go ahead and get the treatments you need, knowing that your insurance will fully or partially pay for these.

However, we should also inform you that other more expensive procedures, particularly those that are considered elective procedures are excluded from most standard dental insurance policies. Also, some insurance plans require that a deductible, which is a specified amount that is deducted from an insurance claim and that you will have to pay out of pocket.

Thus, you should also take into consideration your current dental health and age, as well as your lifestyle and needs. Weighing your alternatives will help you determine for yourself whether buying dental insurance is a good deal for you.

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