Is Dental Insurance Worth the Expense?
Updated on December 06, 2019
Major medical health plans ordinarily don’t include dental coverage. So if you want dental insurance, you will have to purchase a separate plan. For many people, the question at that point becomes, “Is dental insurance worth it?”
In order to answer the question, you’ll need to weigh several factors, including:
- Are you in relatively good dental health?
- How many dependents do you have?
- How old are they?
- How important is good oral health to you and your family?
Do I have to have dental insurance under Obamacare?
Dental coverage isn’t required for adults under the Affordable Care Act, also called the ACA or “Obamacare.” This means that if you are an adult with no children, you can get dental insurance or choose not to, without penalties.
Under the Obamacare law, however, this type of coverage is required as an essential health benefit for children. If you have children, you must be given an option to purchase dental insurance that meets the criteria of the Affordable Care Act when you purchase your health insurance. But whether or not you actually purchase dental coverage for your children is up to you. There is also no tax penalty if your children don’t have dental insurance.
What is covered under dental insurance plans?
Dental insurance plans cover two dental visits per year for cleanings, X-rays, and fillings. Different dental plans may also cover root canal therapy and crowns. Some oral surgical procedures that may be covered include extractions and biopsies.
After a waiting period, some dental plans may also begin to pay for periodontics, bridges, and dentures. Orthodontia for cosmetic reasons is usually not covered, unless it is necessary because of a medical condition.
How much do dental plans cost?
Dental plans tend to be affordable for most people. Dental deductibles are usually much lower than the deductibles for major medical coverage, and they typically pay between 50% to 100% of the costs.
So, is dental insurance worth the expense for you? The problem with having no dental insurance is that dental care can be very expensive once serious dental problems develop, such as periodontal disease or extensive tooth decay. It can be cheaper in the long run to get regular dental care and avoid serious and more extensive problems down the line.
If you want to see your dental insurance options, you can visit our dental page and see how much coverage would cost for you and your family.