Dental Insurance: What It Is and Why You Need It

Did you know that more than 80% of people will have had at least one cavity by the time they are 34 years old? The Centers for Disease Control and Prevention also reported that over 40% of adults felt pain in their mouth within the past year. Oral health is essential to overall health, and poor oral health is linked to other costly chronic conditions.

A dental insurance policy can help you prioritize your oral health and lower costs when you face an oral issue. Learn more about the various types of dental insurance below and how you can get a policy.

What Is Dental Insurance?

A dental insurance plan is a type of insurance plan designed to provide coverage for various dental services, including preventive care (e.g., cleanings and X-rays) and procedures (e.g., cavity fillings). In exchange for your coverage, you will pay the insurer a premium. You will also typically have an annual deductible to pay for services before insurance kicks in to help pay for services. Your plan may be subject to annual maximums and network providers.

One of the most common ways to get dental insurance is through your employer or your spouse’s employer. You may also be able to buy a dental plan directly from an insurer or through the Health Insurance Marketplace.

Why Do You Need Dental Insurance?

Many households are looking for ways to stretch their budgets in today’s economic landscape. While it may seem like saving money to forego dental insurance, the long-term risks outweigh the potential short-term savings of not having a dental insurance premium. Without dental insurance, you will need to pay for all dental-related costs out-of-pocket. Although dental offices may offer discounts for not using insurance, the costs of care can add up quickly.

For example, if you need a cavity filled, you may be charged a few hundred dollars. If you need a root canal or more extensive emergency dental care, that amount could be even more. Dental insurance can help offset some of the costs associated with these treatments.

How to Get Dental Insurance

If you’re in the market for a dental insurance plan, we’re here to help. Reach out to FLM Insurance LLC today to learn more about what dental insurance options may be available to you.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.