The importance of proper dental care is something that is becoming more frequently overlooked throughout the United States. At this time, it is estimated that only around 60% of Americans have proper insurance coverage. Maintaining proper care of your teeth can improve the overall health of your body. Which is why lacking coverage can be detrimental if a problem does arise.
Unfortunately, the everyday expenses of living can add up quickly and we do not always have the funds needed to afford regular dentist visits. If you add in the costs of having a family and adding coverage for your entire family, things may seem nearly impossible. When you do have extra income, there are often many other things that need taken care of before your teeth.
Though it is easy to push your dental care to the side, it is vital to your health and appearance to begin putting these issues first. Many employers offer some form of insurance to their employees. This may be an easy option for you, if the insurance is not too expensive. Unfortunately, most company policies can be extremely costly for those who need coverage for more than one individual.
Ensuring you and your family take care of your teeth can become very stressful. If you cannot afford traditional insurance, your options for affordable care are limited. There are some other options that you may be interested in. Obviously, you can always self-pay for services, but these expenses can add up extremely quickly.
The best way to avoid paying the extreme costs of dental care is to take proper care of your teeth at home. With proper brushing and flossing, while limiting acidity, you can sometimes go longer in between dentist visits. Though it is recommended to have a cleaning every six months, you may be able to go once a year with a proper at home routine.
You may be able to receive cheaper procedures through clinics in your community, schools for dentistry, and federally qualified health centers. However, these options will be less personal and may not be readily available when you need care. Some have even ventured as to have work done in other countries to cut cost, but this can be extremely risky.
Fortunately, there is one other option for giving you and your family proper coverage. One of the best choices for you would be to enroll in a discount dental program. These programs offer a large percentage off on most procedures for a low monthly fee. They are not technically an insurance company, but they have similar benefits to your traditional insurance.
To further compare the costs of traditional insurance and a discount plan, you should look at the average monthly costs. Traditional insurance can cost between $19 and $32 a month. Most discount plans will cost around $10 a month varying slightly by the number of individuals you need covered.
With traditional insurance, you often times still have to pay a large out of pocket fee. For some procedures, you can pay up to 50% of the full price of the work. This means, you will be paying more money monthly and only receiving the same discounts as you would with a discount plan. Also, traditional insurance can limit the number of visits you make annually to the dentist; whereas, most plans will cover an unlimited number of trips.
Some may already have an existing form of dental insurance, but want additional benefits. By enrolling in a discount plan, you can supplement your existing insurance and give yourself better coverage. This can be very beneficial if you require an extensive amount of work as you will pay less for procedures.