This is the most common question I get every day from my patients. My answer is NO, but I will explain in this blog why you don’t need Dental Insurance. Here are 7 main reasons.
Most of the dental insurances cover only 50% of the major procedures like crown and bridge which doesn’t make any sense in paying the premiums for dental insurances.
Majority of dental insurances are provided by the employers but there is some cost from the employee too. It can cost about $400/ year. But it covers for only two cleanings and exams which would cost the same paying out of pocket at any dentist. Unlike health insurance, there is no need to get dental insurance because the cost of the premiums is higher than paying out of pocket for exams and cleanings and other preventive services.
Most of the dental insurances have pre-existing clauses which will help them to prevent paying for Implants and bridge work. So it doesn’t help to have dental insurance if you have a missing tooth and want to get it replaced. And of course cosmetic dental work is not covered by any dental insurance. You should ask yourself what does dental insurance covers?
If you are planning to buy a dental insurance individually outside your work then make sure what is the waiting period? Waiting period is the time you have to wait before you can get any treatment. Most of the dental insurances have a year to year and half waiting period for major treatment. Waiting period is generally done by dental insurances so that you don’t buy insurance get a crown and then drop it.
Ok, we have made the case so far that dental insurance is not worth the cost. But there is one and only one advantage of the dental insurance is there is a negotiated discount with the dentist who accepts those insurances. But even that advantage is useless if you consider going to a dentist who offers in-house dental savings plan like Value Smiles offers Smile Value Plan.
Almost all the dental insurances has annual limitation about $1000-$1500. Which is not enough for an implant or two root canals and crowns. So really a dental insurance doesn’t help you in a major situation like trauma or undiagnosed dental health conditions. Understand that if you need braces, which typically costs around $5000 then according to the dental insurance plan, you will get help with only $1000 and the remaining is your out of pocket expense.
To get insurance pay for the service done in dental office, a claim needs to be submitted. This is a big paper work hassle, as they might not accept at first submission and it needs a constant verification and communication and it’s a time consuming task. They might downgrade a service recommended by the dentist like paying only for silver fillings instead of white fillings and down grading from a bridge to a partial denture.
So if you are looking to buy dental insurance, take some time and find a local dentist who gives discounts on their services. It’s worth forgoing the traditional dental insurance and look for discount dental plans. We at Value Smiles offer 30-40% off on all the procedures. You can also check out monthly specials at www.myvaluesmiles.com. We also offer the savings plan at no cost to the patients, it’s complimentary.
Now if you see the advantages of in-house dental plans like Value Smiles Savings Plan, there will be no waiting periods, no yearly maximums, no pre-existing conditions, can get cosmetic dental treatment. All these at a discounted price of 30-40% off of regular prices. Also ask us for payment plans and interest-free financing for the dental care.
Please contact us at 770-489-9141 or visit us at WWW.MYVALUESMILES.COM for any further information. We have same day appointments in most situations. We accept most major dental insurances. We are conveniently located at 2635 Lee Road, Suite C4, Lithia Springs, GA-30122. We are in the Publix plaza at the intersection of Fairburn Road and Lee Road. Value Smiles provide Affordable Dental Care with Excellent Customer Service to patients in Lithia Springs, Douglasville, Austell, Mableton, Powder Springs and surrounding areas.