While you may value dental care, perhaps you don’t feel warmly toward dental insurance. These policies’ perks seem abstract at first, leaving many to wonder if the monthly costs are justified. That said, you can (and should) rest assured; dental insurance is worth paying for long-term. Maximizing its benefits improves your quality of life, leaving you with rich and enjoyable days. For further details, read this primer on the matter from your Edison dentist.
Context: How Dental Insurance Works
Before moving on, consider reviewing how dental insurance works. You’d better grasp why its payments are worthwhile that way.
Dental insurance is a contract (made with a suitable company) that covers the costs of your dental care. In exchange for premiums and deductibles, it offers benefits that can reduce a treatment’s price. The size of such fees depends on insurance type (i.e., PPOs vs. HMOs), procedure complexity, and similar factors. Still, most dental plans follow a 100-80-50 structure; they fully cover preventive care, cover 80% of basic treatments’ costs, and cover half of advanced treatments’ costs.
To confirm your own plan’s benefits, talk to your local dental team. They’ll gladly put you in touch with your insurance provider.
Why Dental Insurance is Worth Your Money
Though it requires regular payments, dental insurance is worth your money. A good plan plays three crucial roles in your life:
It Makes Dental Care Affordable
However much you brush and floss, you’ll always need professional help to protect your smile. The good news is that most dental plans fully cover the price of preventive oral care. In other words, they let you get checkups and cleanings for almost no cost at all. “No insurance” means paying the full price of such services yourself, which may strain your budget.
It Improves Your Overall Health
Coverage for dental care isn’t just good for your grin. A strong smile makes systemic health issues less likely, so paying for a plan (indirectly) keeps your whole body safe. Indeed, great dental insurance would lead to better treatments that reduce your risk of heart disease, diabetes, etc. That kind of outcome is priceless!
It Prevents Painful & Costly Problems
If you don’t pay for dental insurance, your smile probably won’t get the timely help it needs. Such a lack of care leads to unpleasant oral problems, which usually require expensive fixes. Major examples include dental crowns, root canals, and tooth replacements like dentures and dental implants. Unless you want to spend money on these, meeting the smaller costs of insurance is the better move.
Modern dental insurance is worth paying for, so don’t hesitate to do so. You and your smile will be glad you got a plan!
About the Practice
One Dental New Jersey is based in Edison, NJ. Led by Drs. Rabbi and Ahmed, our practice strives to give every patient truly effective dental care. That means we offer preventive, cosmetic, and even restorative procedures, all tailored to your smile’s unique needs. Our office is also in-network with a wide range of dental insurance plans, including Delta Dental and MetLife! For more details or to book a visit, please contact us on our website or by phone at (908)-409-0881.