Dental story online

Many people have the debate of whether or not they should pay for dental insurance or take the gamble and assume that they won’t need a significant amount of dental care.

Admittedly the cost of dental insurance can appear quite high and when there are so many other monthly bills to settle it is understandably tempting to push dental insurance to the bottom of the pile.

However, despite the cost of dental insurance, there are a few good reasons why you shouldn’t ignore the importance of having good dental insurance or a dental care plan.

• Firstly, we are all learning to recognise the need for good dental care and without dental insurance it is very tempting to skip those all important dental checkups and hygiene appointments. With each visit to the dentist the cost hurts, even without any kind of major dental work being carried out and it’s tempting to divert the cash to what is perceived at the time to being something of greater priority. With dental insurance, the cost of regular dental care is covered in monthly premiums, thus encouraging people to make good use of a service for which they have already paid.

• Secondly, emergency work can prove very expensive with the cost of Xrays, extractions, root treatments and dental crowns all mounting up. Although not all cosmetic dentistry is covered by dental insurance most of the necessities are, which greatly reduces the risk of any significant unexpected dental bills.

• If you have the opportunity to join an employers’ dental insurance scheme then the cost can be substantially less than a personal dental insurance policy and well worth checking out.

• Most dental problems are preventable so making use of a good dental insurance or dental care plan to ensure you get regular routine care can reduce the risk of major dental work being required. The cost of uninsured cosmetic dentistry such as dental implants and veneers can run into thousands of dollars or more!

Obviously like most things in life dental insurance has its limitations. When you first take out insurance cover there will undoubtedly be an initial period of time during which the insurance policy won’t pay out, there is generally a limit to the amount that will be paid out in any given year, not all dental work will be covered especially cosmetic dentistry for appearance sake and usually dental insurance policies have deductibles.