Six Benefits of Dental Insurance
Benefit #1 - Dental insurance improves your oral healthcare. This type of coverage, you can afford to have the routine check ups and cleanings, treatments, and even surgeries you require to keep your teeth and gums healthy. Most insurance plans for dental provide complete coverage for preventive care, which is crucial considering that these costs can add up, especially when x-rays, fluoride treatments, and other diagnostic services are required.
Benefit #2 - Another advantage is that it can serve as a valuable benefit to offer your employees. Affordable and easily accessible, offering this type of insurance can enhance your employee benefits package. With employer-provided dental coverage, employees will be able to afford dental care easier and as a result, may get more regular check ups, preventing cavities and other, more serious conditions from developing.
Benefit #3 - Securing insurance can also help you, your loved ones, or your employees remain financially stable. If you require a major dental service like oral surgery, the treatment needed to fix your condition can cost thousands of dollars. Without it, this may jeopardize your family's finances. In addition to surgeries, it will also help you finance crowns, inlays, onlays, bridges and partial or full dentures, typically covering 50 percent of these costs after a small deductible is met. Some dental plans will even cover dental implants, but there is normally a six or 12-month waiting period before you receive coverage for any of these major services.
Benefit #4 - Like major services, dental insurance will also help you manage the costs of more basic services, like having a cavity filled. Other basic services include restoration, extractions, root canal therapy, and treatment of gum disease. Representing another benefit of obtaining it, your coverage will normally pay 80 percent of these costs after a slight deductible. Similar to major services, there is also typically a six-month waiting period before your dental insurance will cover these basic services.
Benefit #5 - With an increasing number of children requiring braces at some stage of their lives, another benefit that it can provide is orthodontics coverage. When it comes to including orthodontics coverage in your dental insurance plan, you can opt for child-only or both child and adult coverage. Regardless of which option you choose, this type of coverage normally pays 50 percent of orthodontic services to treat crooked teeth, or by official definition, "dental malocclusions and oral cavity anomalies." Although this type of coverage typically includes a 24-month waiting period, it is extremely cost-effective over the long term, considering that a full orthodontics treatment can cost several thousands of dollars.
Benefit #6 - Whether you secure it for your family or business, perhaps the greatest benefit of all is its ability to provide your loved ones or employees with peace of mind. Health problems, especially dental conditions, are often unexpected, and having it prevents you from having to worry about being suddenly confronted with thousands, even tens of thousands of dollars in dental bills. Having to finance these costs unexpectedly could leave a family with a significant financial burden, so providing dental insurance to those you care about will help ensure that they can remain financially stable while receiving the dental care needed to keep their teeth and gums healthy.