Like many, you may be wondering whether or not you need dental insurance. Unfortunately, you can develop oral or dental issues at any time, either from not properly caring for your teeth or as a result of an illness or accident. As such, dental insurance provides you with coverage that can save you money and help ensure a healthy smile. Regardless of whether you have coverage through your job or you purchase a plan on your own, dental insurance should be a part of your financial planning. Please continue reading as we explore the benefits of dental insurance and why scheduling an appointment with our general dentistry/dentists located in Basking Ridge & Morristown, NJ is in your best interest.
What is Dental Insurance?
Dental insurance offers coverage for services and treatments related to oral health care. It can help individuals manage the costs of routine dental cleanings and exams, as well as surgeries and emergency procedures. With dental insurance, a portion of your expenses is covered, so you won’t have to worry about covering the entire cost out-of-pocket.
Just like other types of insurance, you will pay a monthly premium to keep your policy active. With an employer-sponsored dental insurance plan, your employer will either pay the full cost or partial cost of the premiums. If you pay a portion of the cost, you will be responsible for the rest of the premium, which will usually be deducted from your pay.
If you pay for dental insurance on your own, you will be responsible for paying the full cost of the premium and any applicable deductibles. You should also note that you may have to wait a period before you can receive benefits for major dental procedures.
What Are the Benefits?
Regular dental exams and cleaning are essential for maintaining good oral health and preventing costly dental procedures down the road. For instance, if left untreated, can lead to serious issues such as root canals and extractions. In most cases, dental plans cover preventative visits at little or no additional cost, making it an affordable way to protect your teeth. Early detection is key.
Nevertheless, even with proper preventative care, major dental health issues can arise out of the blue. If you have dental insurance, you will be protected from this financial risk.
It’s important to understand that dental health is directly linked to your overall health. Studies show that problems in the mouth can lead to harmful levels of bacteria that worsen medical conditions such as diabetes and heart disease if they enter the bloodstream. Dental insurance can help you maintain your oral health, which is linked to your overall health.
As you can see, dental insurance offers a range of options to fit your needs and budget. Having regular access to preventative care and saving on the costs of treatments makes dental insurance an essential investment. Schedule an appointment with Dental Associates of Basking Ridge, today so we can help you maintain your oral health.
