As you periodically evaluate your budget and spending habits, you might try to cut out some unnecessary bills. For example, you may cancel some unused subscriptions. You might even wonder if you should cancel your dental insurance! But before you do that, you should consider some of the benefits you can get from your plan. This blog post delves into why dental insurance is worth paying for.
Preventive Care Is Covered
Most dental plans completely cover the cost of preventive care, including services like cleanings, exams, routine X-rays, and more. If you attend just two basic preventive appointments each year, their value may come close to (or perhaps even exceed) the yearly cost of your insurance premium.
You Can Save Money on Restorative Care
Routine preventive dental care can greatly reduce the chances that you will develop a major oral health problem. For example, your dentist might diagnose a small cavity. If you get a filling right away, up to 80% of its cost might be covered by your insurance. You will have to pay very little out of pocket!
However, if the cavity remains undiagnosed and untreated for too long, it could easily develop into severe decay. You might end up needing root canal therapy and a crown. It could even become necessary to extract the tooth and replace it later on. Such services can cost thousands of dollars.
You Can Support Your Overall Health
Oral health and overall health are strongly connected. For example, gum disease is associated with a heightened risk of numerous health problems, including heart attack, high blood pressure, dementia, stroke, pregnancy complications, and more. Tooth loss can also affect your overall health; it can force you to eat a less nutritious diet, which can increase your risk of many diseases.
When you use your dental insurance to take care of your mouth and gums, you may delay or prevent serious health conditions, which can preserve your quality of life and help you save money on overall medical costs.
Anyone Can Develop Dental Problems
If you have good oral care habits, you might think that dental insurance and regular dental visits are unnecessary. However, the reality is that anyone can develop oral health issues. For example, you might be genetically predisposed to certain conditions, or you might have an accident that damages your teeth. Your insurance can be a great help in such instances.
Is dental insurance worth paying for? For most people, the answer is a resounding yes! Instead of cancelling your policy, look for ways in which you can use it to the full.
Meet the Practice
At Cornerstone Dental in Fargo, we welcome dental insurance. We are even a preferred provider for Delta Dental Premier, and we can file claims for all PPO plans. If you are interested in learning how we can help you maximize your benefits, get in touch with our knowledgeable and friendly team at 701-237-3583.