Dental insurance is not as vital as health insurance. Unexpected health problems are more likely to arise than a cavity unless you neglect to brush and floss your teeth. However, some people are more prone to gum disease and tooth decay.
So, is dental insurance worth it?
According to CBS News, 64% of Americans have dental insurance. Most dental plans have a $50 deductible and cover up to $1,000 in dental bills per year. Only 2-4% of American citizens use their maximum amount of benefits.
The NADP explains what three elements are typically covered by dental plans:
Preventive Care: exams, X-Rays, and sealants
Basic Procedures: regular check-ups, extractions, fillings, occasionally plans will cover root canals, periodontal treatments up to 70-80%.
Major Procedures: crowns, bridges, inlays, dentures, and some plans insure implants or root canals up to 50%
Even though most dental plans cover these needs, having the insurance may not be worth the price. Consider these five questions when determining if a dental insurance plan is right for you:
- What is the annual premium?
- What is the cost of the dental care you need?
- What are your policy's limits?
- Can you "roll over unused benefits from the previous year?"
- What does the policy you are considering cover?