Doctor Plotka's Blog

25 Feb 2020

5 Top Benefits of Having a Dental Insurance Plan

Most of us hardly ever think about our teeth. Sure, we may brush and floss daily, but other than that, our teeth are never usually in our minds. That is, until they start to hurt. There are few things more annoying and painful than bad tooth pain.

That is why it’s important to take care of your teeth. Not only by brushing and flossing, but also by visiting the dentist regularly. Unfortunately, many Americans struggle with this and don’t go to the dentist yearly. While some don’t go to the dentist because of fear, many go simply because they can’t afford it. Uninsured dental expenses can be quite high.

As a result, the importance of having the best dental insurance cannot be overstated. But just what are the benefits of having a dental insurance plan? If that is something you’ve been curious about, you’re in luck. Without any further ado, let’s look at and go over the top 5 benefits of having dental insurance.


Dental Insurance Can Save You Money


The prime benefit of having dental insurance is that it can often save you money. As briefly mentioned earlier, uninsured dental expenses can be incredibly high and insurance can lower them or eliminate them altogether. Something that could have costs $1,000 or higher generally won’t be more than a few hundred dollars at most.

Of course, for it to save you money you need to choose the right kind of insurance. There are many types of dental insurance out there, and choose the one that works the best for you and your family. Take your time to evaluate your needs and choose an insurance plan or provider that makes sense.

Having Insurance Gives You Peace of Mind

Another huge benefit of dental insurance is that it gives you peace of mind. You can do all you can to protect your teeth, but accidents happen and you never know when you may need dental work. You might chip your tooth drinking a glass of water or start to feel a sharp pain develop in your molars. If you are uninsured, this event could spark fear in you and you start to think about the price to fix the issues.

But if you have insurance, you can rest easy knowing that (most of the time), it will be relatively cheap and affordable to deal with. Having insurance protects you in case of emergencies and gives you peace of mind knowing that you won’t be financially ruined by a dental accident.

Greater Access to Dental Care


If you are not insured, you won’t have affordable access to many types of dental care. You won’t be covered for anything and will be stuck paying full price.Many people simply can’t afford this, so it limits the type of access they have to dental care. While they may need a root canal, they may not have access to it affordably without insurance.

Having insurance simply gives people greater access and flexibility to not only get the care or procedures they need, but also choose the dentist that they go to, not simply go with the cheapest option like many uninsured people will do. Of course, be sure that the dentist you go with is in-network with your provider, to ensure you aren’t stuck paying full price.

It is Very Easy to Use

Another benefit of dental insurance is that using it is easy. Many dental offices will directly bill your insurance company, and you might not have to pay anything. You will need to fill out a form with insurance information and such, but that is quite simple.

Even if they don’t do direct billing, insurance companies generally make it easy to get reimbursed and ensure that it is simple to use. Of course, be sure to learn and understand how your particular insurance works, don’t just assume that it works like the insurance that your friends or family members have.

Keeps Your Teeth in Good Shape


People with dental insurance generally go to the dentist more than those who don’t. So as a result, having dental insurance will often keep your teeth in better shape. If you let your teeth get in a bad state, it can be difficult to recover from. The mouth can be a breeding ground for bacteria, so be sure to keep it clean.

Of course, the insurance itself won’t clean your teeth so you need to be sure to use it by visiting the dentist as often as your insurance allows. Some people find they need to visit the Dentist more often due to their natural susceptibility to inflammation and/or plaque build up. Your Dentist can help you determine what is the right schedule for you and work with your insurance to make it happen. In between cleanings, be sure to brush and floss regularly to keep your pearly whites in the best shape possible.  Choosing a toothbrush that eliminates bacteria on the brush, has thin flossing bristles, was invented by a dentist, and last longer than most can help you to avoid plaque build up between visits - plaque is what can cause tooth decay, cavities, inflammation and even lead to heart and lung issues.

In conclusion, hopefully the information in this blog post has been able to show you some of the many benefits of having dental insurance.