Dental Insurance

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How To Find Dental Insurance as Low as $12 a Month

With health care reform in the spotlight for several years now, the topic of affordable dental care has also been a concern. We hear a lot about dental divides, dental deserts and inability to pay for dental insurance. Certainly, there are individuals and families without convenient access to dentists or the means to pay for oral care; however, many Americans without dental insurance do not realize how inexpensive it can be compared to other daily expenses.

As a society, we tend to spend $3,090 annually on entertainment, $1,542 on our dogs, $1,183 on our cats, $850 on soft drinks and $475 on dry cleaning and laundry services, according to findings from IHC Specialty Benefits.

What do we spend, on average, for dental insurance in a single year?

$165

That means individual dental insurance can be obtained for less than 50 cents a day. We spend about $7.73 per day, on average, eating out. Even if you and your family only visit the dentist for your recommended twice-annual exam and cleaning, dental insurance can save you money. Most basic dental plans cover two preventive and diagnostic care visits per year at 100 percent.

Using bracesinfo.com’s Dental Cost Calculator, we see that the average adult cleaning and exam in Milwaukee costs around $122.42—on the high end, $148.55—that is without X-rays. In this scenario, insurance would save our patient nearly $80 on preventive care—again, without factoring in X-rays.

Dental insurance leads to oral care

Society tends to think about dental insurance as a luxury or an extra; however, studies show dental insurance is a primary indicator of access to dental care. Preventive dental visits help keep the mouth healthy. Even if you floss and brush twice daily, the thorough polishing and scaling performed by a dental hygienist cleans your teeth in ways you can’t.

In addition, your dentist will examine your mouth for signs of tooth decay, gum disease, and oral cancer, among other warning signs of disease—oral and systemic. As the American Dental Association says, “The mouth is a window into the health of the body.” Diabetes and other disease may first become detected due to mouth lesions and other oral problems, according to the ADA. Many studies have shown that gum disease is linked to diabetes, respiratory disease, osteoporosis, heart disease and pregnancy issues; see 1dental.com’s Oral Health and Overall Health infographic for more hard facts about how oral and overall health go hand-in-hand.

When health problems—oral or otherwise—are detected early, they are often more treatable and less expensive. When left undetected and untreated, tooth decay, which is both common and preventable, can become extensive and result in the need for costly procedures such as a root canal. According to Healthcare Blue Book, a root canal in the molar costs an average of $832, without final restoration fees. With children, whose mouths are developing, regular preventive care can help detect bite problems, crowding and other complications early on when they are easier to correct; pediatric dental visits often include dental sealants, which help prevent cavities.

Contact an insurance agent or a dentalinsurance.org representative to discuss dental insurance plan options for you and your family. These individuals know the industry well and can help you select coverage that not only meets your specific oral health needs, but also falls within your household budget.



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