If you’ve never had a cavity before or any problems with your teeth, you may not think you need dental insurance — especially if your employer doesn’t offer it or you’d have to purchase a policy on your own as an independent contractor.
However, if you were to consider what the cost of a crown can be—anywhere from $500 to $3000 per tooth, or a root canal–$300 to $1500, or over $100 for a simple cleaning, then not having dental insurance may not be a risk you’re willing to take.
Even if you practice perfect oral hygiene, accidents can still occur. If you happen to play sports, there’s always a chance a ball may hit you in the face, resulting in a chipped tooth. Or all it takes is a simple slip and fall to crack a front tooth. If you have children, the odds of an accident happening to them are even greater.
Most dental plans cover routine check-ups, as well as fillings and crowns. Everyone from age two on should get a check-up and a cleaning every six months. What starts out as a small cavity can turn into a much larger problem if it isn’t taken care of right away. Many illnesses can be the result of tooth decay. Gum disease, when not taken care of early enough, can result in tooth loss.
With a dental plan, you receive a certain amount of coverage. Everyone has a yearly maximum, so once that amount is reached, you would need to wait until the following year to be able to get more work done or pay for it out-of-pocket. Considering the cost of dental care continues to
become more and more expensive, having dental insurance for you and your family may very well provide a much-needed peace of mind.
Ask us about our dental plans. We can help you find one that works within your budget.