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Many years ago, The Simpsons aired an episode where Homer and his co-workers went on strike to get back the company’s dental plan. Homer led the charge because he couldn’t afford his daughter Lisa’s braces otherwise. This episode sparked some food for thought. Many of us can take dental insurance as part of our employee benefits, and there are supplemental plans we can buy on our own. Yet, is dental insurance something we really need?
Before you say no to the dental option when you get your work benefits, research what dental insurance covers for you and your family. Consider if you anticipate needing this type of coverage. If you have a history of dental problems like periodontal disease, you may have just answered the question. If you are unfamiliar with this type of coverage, let’s look at some typical coverage areas:
1) Cleanings:
Your plan may cover the standard cleaning, part of your twice-a-year routine. Usually, what you pay for insurance, around $1000 a year, is enough to cover these visits. If you keep up with brushing and flossing at home, you might not need the dentist for anything else.
2) Denture repair:
Your plan may cover maintenance of dentures, though not every insurance company handles 100% of the cost. Be sure to read the policy.
3) X-rays:
Your plan may also cover x-rays as part of your routine visits.
4) Oral surgery:
Coverage for a needed operation like a root canal or tooth extraction may take effect several months after you purchase the policy. This ensures people aren’t trying to obtain a quick fix for a recent problem.
Unlike The Simpsons, not all dental insurance plans cover braces, as they are not considered preventative care. Other procedures like cosmetic dentistry, including teeth whitening and bonding, are also not likely covered. Keep this in mind as you decide whether or not to add a dental plan to your healthcare expenses.
Dental insurance can be useful if your family has a history of dental problems or if you are observant about preventative care. Research your options before you enroll.