Is Dental Insurance Affordable?
Many people have discovered over the years that unfortunately--in most
instances--dental coverage is not included or supported through their
health insurance. With that being said, it's easy for consumers to reach
upwards of $300 to $1000 in out of pocket costs in the blink of an eye
when visiting the dentist without dental insurance coverage. In fact, a
cleaning at the dentist (out of pocket) could cost as much as $100-$200
With crowns, filling, and root canals ranging into the thousands of
dollars out-of-pocket, dependent upon the materials used, as well as the
level of difficulty to reach the problem areas in your mouth - costs can
be detrimental to your budget or otherwise impossible for you to cover.
However, on the bright side, there are many dental insurance plans
offered and provide extensive coverage through many employers,
universities, and even out-of-pocket!
In comparison, these are great alternatives and solutions to otherwise
impossible costs to cover by yourself. In contrast, for those whom are
jobless or otherwise disabled and out of work, researching and pursuing
free local health and dental coverage plans or offices might be in their
Although dental work is extremely costly, on average, an individual
given age and previous conditions (as well as dental hygiene) will not
come close to, nor exceed the annual dental insurance cap in most
instances. That is, as it's not only unusual, but usually a bad sign and
the type of consumer that would otherwise be refused for coverage anyway
(or a 'hiked up' premium) due to older age or preexisting conditions
that will be extraordinarily costly for both the dental insurance
provider and consumer.
Much like other health care insurance coverage plans, some dental
insurance providers will pay the office and professionals directly,
while others will require you to pay out of pocket - or a fraction of
cost, reaching as high as 80% or more!
Due to age and preexisting conditions, as well as conditions that arise
over time, dental insurance by no means should be underestimated as the
premium could easily give rise to astronomical coverage rates in the
blink of an eye under such circumstances.
Finally, unlike other major healthcare insurance providers and types,
dental insurance can be applied (claims) much sooner in comparison—i.e.
no 6 - month wait period before the ability to receive approved
checkups, cleaning, or oral surgery as necessary.