What’s the Reason for Dental Insurance?
Having a goal of good overall health and maintaining preventative care does not start below your neck. Good, consistent dental care is a necessary part, and yet those costs can add up quickly in the event you do not have dental insurance coverage. Dental coverage is designed to lower costs for you when you need restorative and preventive work. As a result, you are able to keep dental appointments without having to worry about their possible impact on your budget. It may not seem that dental insurance plays such a large role in your overall health, but the investment in insurance makes it easier to see why that's the case.
The main reason why anyone has insurance policies in the first place is to reduce the burden of cost. Car insurance helps cover damage to the car after an accident. Dental insurance helps cover the cost of routine care. Depending on your dental insurance company and the policy you have, you will find that visiting an in-network dentist will keep the preventive service costs low. When you are able to predict how much money you are going to spend at the dentist, you do not need to deal with the stress of an unplanned large bill. If you are able to keep your budget in place, then you are able to keep your scheduled appointments for regular checkups. The dentist will be able to catch small concerns before they become larger, more expensive problems. For example, identifying early signs of gum disease can prevent tooth loss and gum recession, which require extensive treatments and surgeries later.
Having dental insurance coverage is especially helpful when unpredictable issues pop up. You may have an accident where a tooth is damaged, and you need emergency treatment on the impacted tooth. Procedures like fillings, root canals, or extractions can be very expensive without coverage. You would be responsible for a large bill that you had not taken into consideration during your budgeting. If you are not able to cover the cost of the treatment, you may need to delay or avoid making an appointment until you are able to afford it. The security that comes with knowing you can get dental care when you need it without having it add financial strain is peace of mind you can only have with dental insurance coverage.
In addition to financial relief, dental insurance provides you access to a network of providers. You may move or your current dentist may retire, so you will need to find a new dentist. It’s not easy to sift through websites, reviews, and references from friends and family to find the right one for you. Dental insurance plans like those offered by Ameritas often come with an extensive list of dentists who participate with the insurance. This network makes it easier to receive quality care, and your dental care provider has met professional standards if they are included in your network.
If you have more questions about Ameritas Insurance or how it could work as a part of your treatment plan to achieve better dental health, make an appointment with the dentist to see if Ameritas Insurance is the best option for you.
Learn more about what to expect during your visit and payment options.