Dental Insurance, Phoenix - Is Dental Insurance Right for Me?

Dental insurance is a very complex and confusing topic for everyone. The question of whether to pay for dental insurance or simply pay for dental care out of pocket is one every person should consider for themselves. The answer will likely vary depending on the dental insurance options available to you through your employer and your dental health.

Understanding Dental Insurance

In a related blog post, different types of insurance plans were reviewed (Myths and Misconceptions of Dental Insurance). When determining if dental insurance is beneficial, that previous blog may clarify some nuances in dental insurance. Once the differences in dental insurance plans is understood, it is time to consider if the premiums required for coverage are worthwhile.

Cost/Benefit Analysis

From a purely financial viewpoint, considering the annual cost of the premiums incurred for the insurance is necessary. The co-payment (if choosing a DMO/HMO plan) or the annual deductible and co-insurance (if choosing a PPO or Indemnity plan) must also be added to the cost. Keeping in mind the annual maximum benefit allowed is important if any restorative dentistry is needed. From a more subjective perspective, considering the freedom of choosing your provider and therefore the freedom of choosing the quality of care is important.

The Important Questions Are:

- Is the entire cost of the insurance (see above) less than the annual maximum coverage allowed?

- Is there flexibility and choice in selecting a dentist?

Dental Insurance is Geared Toward Routine Care

It is important to remember that dental insurance is not designed to cover the majority of dental expenses for anyone that needs care beyond routine cleanings twice a year. However, it can be beneficial to anyone if you are able to answer yes to both of the questions above. Please contact us to see if we can help you understand your dental insurance options.

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