Why it Pays to Visit the Dentist
Studies have shown that more than 30% of Americans do not visit a dentist regularly.
While that may save them a few dollars, nearly 60% of these individuals are likely to have untreated tooth decay.
In addition to giving you pearly white teeth, properly caring for teeth and gums is important for a variety of health-related reasons.
For example, regular dental care can help in reducing the presence of infection-causing bacteria. Proper care of your teeth can also help to prevent tooth decay or loss, gingivitis, and plaque. An excessive buildup of plaque can cause pain and even bleeding. Left untreated, infection could potentially move into your jaw and become a very serious condition.
Similar to regular health insurance policies, dental insurance requires the payment of a premium in return for covered services.
Most dental plans typically cover annual teeth cleanings and checkups as well as certain types of X-rays.
There are two specific types of dental insurance:
Indemnity Plan: An indemnity dental insurance policy is a traditional fee-for-service type of plan. These policies usually allow the insured to choose his or her dentist from a large list of providers.
Managed Care: In a managed care dental plan, policyholders pay a set amount of co-payment for their services. In most cases, there will be no deductible to pay, but the insured will need to pick his or her dentist from a certain network of dental service providers.
Having a dental insurance plan is definitely worth the cost.
The annual premium is normally well below what would be charged out of pocket for the services that are covered. In addition, if you have regular cleanings and checkups, major dental conditions and issues may be prevented or detected and treated before they can cause more serious damage.