What dental insurance do you really need?

*The Truth About Dental Insurance

*Dental insurance is not like medical insurance.

*Dental insurance is not like medical insurance. With medical insurance, the patient pays a monthly premium that insures the patient for a medical emergency, possible doctor visits, or other health related issues when the insurance is in place.

*Everything with medical insurance is speculative and you usually hope you won’t have to use it.

*Dental insurance is like preventive care.

*Dental insurance is like preventive care. With dental insurance, you know you will be using it if you follow the recommendation to see a dentist and receive a preventive dental cleaning every six months. You essentially pay in advance to cover the cost of your dental visits.

*What do dental insurance companies cover?

*Depending on the type of dental insurance you have, you may have to pay some dentist fees for certain procedures.

*Most insurance plans will cover your preventive measures like cleanings, and then will cover between 50% and 80% of other procedures like cavity fillings, root canals, dentures, implants, or bridges.

*What are the limits to dental insurance?

*Some dental insurance plan policies won’t cover multiple restorative procedures on the same tooth within a certain amount of time.

*If you get a cavity on a tooth and then need a root canal on the same tooth a year later, your insurance might not cover it and you’ll have to pay out of pocket.

*Should you get dental insurance?

*If you are willing to take care of your oral hygiene by brushing twice a day, flossing, and avoiding foods that are bad for your teeth, you may not need to worry about problems with dental insurance coverage.

*Do the math to see if you will save money by having insurance instead of paying out of pocket.

*Check to see if your company offers dental

insurance.

*Check to see if your company offers dental insurance. Some companies provide dental insurance that covers enough costs to make it worth the monthly premium.

*Other employees are left to find their own individual dental insurance plans that can be more costly than going to the dentist.

*Evaluating the worth of dental

insurance.

*Is it worth getting a plan on your own?

*If you anticipate costs over $500 a year, it might not be, when the costs of two cleanings per year is usually less than that.

*Consult prices of cleanings and other dental procedures with your dentist office.

*EMI Health

*If dental insurance is worth the money for your family, you can look at available dental insurance plans from EMI Health.

*EMI Health offers plans for Utah and Arizona residents.

*Individual plans are available for low prices.

*More information.

*For more information, contact EMI Health, or visit this link for more resources on individual dental health care.