Typically, vision and dental plans are offered through employers in addition to health coverage. For those who qualify, federally-funded programs like Medicare and Medicaid also work to protect individuals against exuberant costs. But for some, coverage either isn’t offered or they just don’t qualify. And for those that need it most, the inability to obtain medical exams interferes with their health and wellness.
Health insurance is as important as life insurance. While life insurance protects the family from going under in the event of a death, health insurance helps the family from sinking financially while still living. At the same time, it helps cover steep costs for resources needed to keep them healthy, longer.
Take dental insurance for example.
Without insurance, a procedure such as a crown can cost around $1,500. A root canal can cost another $1,000. Regular exams can even cost $50 a pop. A large family of six, for example, will pay $600 minimum if all of them go to the dentist twice a year for a routine check-up.
Dental insurance is a type of health insurance. Individuals or families pay an annual premium for a membership. Coverage comes in two forms: full and partial. One caveat of dental insurance, though, is its annual maximum. On average, the cap is around $1,000. This means dental insurance will pay up to $1,000 in a calendar year, but once this figure is exceeded, the consumer must take on all subsequent costs.
Still, for some the coverage may be worth it.
Routine visits for exams and cleanings are covered. Most often, x-rays, sealants, and fluoride are also covered. Plans vary, but the following procedures may also be covered:
- Tooth extracts
- Root canals
Under partial plans, co-pays are required.
Plastic veneers, bonding to close gaps, and tooth whitening or bleaching sessions are not provided for under dental insurance. Orthodontics is separate as well, however, in some cases, braces may be.
Visiting the dentist more frequently than normal is costly. Most of the procedures are quite expensive as well. Still, dental insurance isn’t for everyone. Realistically, the types of people who need it most are those who go in more than twice per year, those with large families, and those who simply want to take preventative measures against the worst-case scenario.
Whether your clients can take care of the costs themselves or they require dental insurance, taking care of teeth is important.
A lack of dental care could lead to varying degrees of trouble. On the minor level there’s tooth decay. Worse yet, it could lead to gum disease and bone loss in the jaw. Or it could get really out of hand and lead to heart disease, diabetes, or osteoporosis.
Help you clients avoid having to use their life insurance policy too soon but talking about dental insurance.