If you have been to the dentist regularly and do not require any extensive or major dental care, you may be able to get away with paying out-of-pocket for your dental visits. On average, routine cleanings and X-rays are around $150-$350, and to some, this does not justify the cost of paying a monthly premium.
In other cases, having a dental policy can be extremely beneficial. For instance, someone that suffers from periodontal disease requires deep cleanings, which average around $340 per quadrant along with routine maintenance visits, which average around $180. Or if someone needs to have a root canal or crown replaced, they would also benefit from having a dental plan to help cover for these high expense procedures.
Although most Americans do not consider having dental coverage essential, it can be the saving grace when needing major dental procedures. It could be the difference between paying thousands of dollars out-of-pocket for treatment or only paying a few hundred with dental coverage.
If you are considering purchasing a dental policy, do not wait until the last minute. Most dental insurance plans have a six to 12 month waiting period before you can receive coverage for dental care after your plan start date. Some plans may even require a more extended waiting period for major dental work.
Finding the right dental coverage can be confusing if you do not know what kind of coverages you need. We recommend speaking to a licensed insurance professional to help you find the plan that works best for your needs.
At First Family Insurance, we have a team of dedicated professionals who are always ready to answer any questions you might have.
Click the button below to have one of our team members call you directly or call us at 1-800-327-5579.