Considering Dental Insurance?

The idea behind any kind of insurance is that things happen, and they don't happen at a good time. Although medical insurance is much more common than it once was, dental insurance is often not included in a medical plan. Is it worth buying dental insurance? Reveal Dental, your family dentist in Cedar Park, offers some thoughts on the subject.

Cover the Basics

Routine dental care is vitally important to maintain your oral health. You can certainly do your part by flossing daily and brushing twice a day. The American Dental Association recommends twice annual visits for cleaning and examination. However, such care can add up, especially if you have multiple family members. Forgoing that care may simply lead to much greater expense down the road, and can increase the chance of multiple cavities, or even gum disease.

Look At All Possibilities

Dental insurance plans vary. Some include all or part of routine preventive care, others cover only more extensive (and expensive) care like fillings, crowns, implants or dental surgery. One big advantage of those plans that cover routine care is the opportunity to catch problems early in the game and keep them from getting worse. If you are lucky enough to have excellent teeth and little susceptibility to decay, however, it might be more expensive in the long run to pay insurance premiums than to regularly set a little aside for routine dental care.

Money Matters

For large expenses like a root canal or a dental implant, a dental insurance policy can be a big help. You may still have a co-payment or need to meet a deductible, depending on the plan. Dental plans typically negotiate lower rates for dental services, something you may not be able to do as an individual. On the other hand, your dentist may offer payment plans or discounts for cash that are the equivalent or better than the rates a dental insurer can negotiate

There's no one-size-fits-all answer to the dental insurance question. Do the research on the various plans available, then come in to see us at Reveal Dental so we can tell you what your options are with us for the dentistry services you need. Although it takes a little time, jumping through these hoops ensures you'll find the answer that's right for you.