As a budget-conscious individual, you probably periodically review your expenses in an attempt to find out where you can cut back. Have you ever thought about canceling your dental insurance in order to save money? Your policy might seem like a superfluous cost, but in reality, it can actually help you save money. Here are a few reasons why your dental insurance is worth paying for:
Preventive Care Is Covered
Many standard dental insurance policies completely cover the cost of preventive services, including routine exams, cleanings, and X-rays. If you visit your dentist twice each year for basic care, the total value of the services you receive is likely to exceed the annual cost of your dental insurance policy.
You Can Prevent Expensive Treatments
If you diligently visit your dentist every six months for a cleaning and checkup, you give them the opportunity to diagnose most oral health problems while they are still in their early stages. For example, you might have a small cavity. If you receive a filling right away, your insurance is likely to cover 80% of the cost of your treatment, meaning that your total bill will be quite manageable.
On the other hand, if you cancel your insurance, you may be less likely to attend regular checkups. If you develop a cavity, you may not experience any obvious symptoms at first, so it might develop into a major spot of decay. By the time it starts to cause you pain, you could require major treatment. For example, you might need root canal therapy and a crown. You might even need to get the tooth extracted and replaced with a dental implant or bridge. Your total out of pocket cost could amount to thousands of dollars.
You can Protect Your Overall Health
It is well-established that oral and overall health are strongly connected. For example, advanced gum disease is associated with a heightened risk of numerous medical conditions, including heart attack, stroke, and dementia. If you use your dental insurance policy to protect your oral health, you could support your overall wellness and potentially reduce your overall spending on medical care.
Is dental insurance worth paying for? It is if you use it! Take a look at the details of your policy so you can start using it to your greatest possible advantage.
Meet the Practice
Abington Family Dental Care is proud to be home to a team of talented, skilled, and compassionate practitioners. Not only do we provide high-quality care, but we also welcome dental insurance; we accept more than 200 different plans, including those from popular companies like United Concordia, Assurant, and more. If you are curious about how we may be able to help you maximize your benefits, contact our office at 781-780-2658.