“Tell me this, Nate – why should I give the same amount of money to the insurance company so they can give it to my dentist, when I can give it to the man directly? All I ever get is my cleanings and X-rays.”
It was and is a good question – why bother with the middle man of the insurance company when twelve months’ of premium is about equal to the cost of two cleanings and those xrays?
1. What happens if you have a major dental event?
Most people don’t plan for major dental events, but life sometimes doesn’t care. And if you don’t have a dental plan, that first filling, crown or extraction could cost you a lot of money.
In a nutshell, if you don’t have dental insurance and nothing happens, you come out on equal footing. But if Murphy’s law strikes, your dental insurance could be kicking $1000 – $2500 toward that dental bill.
2. You’re more likely to get your cleanings done if you’ve got insurance
Every time someone has asked me if dental insurance is worth it, I ask them how often they get their cleanings done. Over two thirds of them admit that they get it done less frequently than the recommended six months – and often with much longer gaps.
Dental hygiene has a direct impact on heart health, maternity, diabetes, etc. Getting your cleanings is important, and if you have dental insurance, you’re more likely to use it.