Dental insurance can help you cover the cost of cleanings and more expensive dental issues, like emergency tooth repair or jaw problems.
You probably understand the concept of dental insurance, right?
It’s coverage for your teeth.
And while we may not need to go into the ins and outs of caring for your pearly whites (or, ahem, not-so-whites), we do want to make a case for dental insurance.
If you take care of your teeth and get a professional cleaning twice a year, and you don’t have any family or personal history of dental problems, then you might get away with skipping dental coverage. (We know we’re not supposed to say that, but it’s true.) You’ll probably pay less out of pocket if all you need is semi-annual cleanings.
But dental insurance isn’t just for run-of-the-mill cleanings. Like every kind of insurance, dental coverage is designed to take care of you when the what-ifs crop up.
No matter how well you brush and floss and avoid enamel-staining foods, your teeth may need extra help from time to time.
Or your kids might need braces.
Or you might chip a tooth on a, particularly aggressive scone at the local vegan coffee shop.
The point being, your teeth are not impervious to outside forces, and that’s where dental insurance comes in handy. Shelling out a hundred bucks for a cleaning? Doable. Getting a bill for $2,000 for a shiny new crown? That’s a lot of scones, my friend.
Dental insurance can help you cover the cost of more expensive dental issues, like emergency tooth repair or jaw problems. And while most dental plans won’t cover major, expensive work at 100% — in fact, it’s usually about 50% — they can reduce your out-of-pocket costs by a lot.
Under the Affordable Care Act, dental care is considered an essential health benefit for major medical plans — for kids only. As an adult, you’re on your own for dental coverage.
Lucky for you, dental insurance is very affordable.
You can bundle it with short term medical insurance or major medical insurance (depending on the carrier), or you can buy it as a standalone policy if you already have health insurance from somewhere else.
Flexible, convenient, affordable. If only getting a root canal was as easy as getting the coverage for it.
Schedule your one-on-one insurance consultation with a coverage team member, privately and at your convenience.