June 19, 2012

Dental Insurance Isn't Insurance

We hear many people say that they didn't visit the dentist for a long time because they didn't have insurance. We would like to discuss this point and shed some much needed light on the subject.

It's a sorry fact, but approximately 50% of the population doesn't visit a dentist regularly. Many of these people ascribe to the belief that they need dental insurance in order to afford dentistry. Well, the first point is that dental "insurance" actually is not insurance, but a benefit. Most plans are extremely limited and the benefit is around $1,000 per year. Even with a better plan that gives a higher benefit, if you have major dental problems, the dental benefit makes a small dent. So, if you had major dental problems, then you would have to cover most of the cost of dental services even with the help of a dental benefit.

Once you've established a baseline of health, it's questionable whether or not having the dental benefit is worth the premiums paid for it. We know what preventive and health maintenance services our patients need each year and we can calculate the fees for the year so our patients can budget for their checkups, cleanings, and necessary x-rays. When the calculations are complete, the services cost the same or less than most premiums for dental plans.

For information about other dental topics visit our website here: www.TavorminaDentistry.com

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