Are Our Teeth As Important As The Rest Of Our Body?

27807867-dentures-with-tools-on-tableStatistics show that about one third of the U.S. population doesn’t visit the dentist yearly. What’s more is that around 800,000 ER visits arise every year from preventable dental problems. Some may not visit because of fear or anxiety, but the majority of people don’t see a dentist because of poor dental insurance coverage.

It seems that in the world of health insurance, dentistry is never treated the same as medicine. Even now, with the Affordable Care Act, many more people are insured, but dental coverage is not a required benefit under this act or under most Medicaid plans.

In an article from The Atlantic, they talk about the early history of dentistry.  It seems that dental work has never been seen as important as medical health issues. Until the 1800’s, barbers served as dentists, pulling teeth after trimming hair!  Check out this interesting article to find out more about why we don’t seem to treat our teeth as importantly as the rest of our bodies. Why Don’t We Treat Teeth Like the Rest Of Our Bodies?

Dental Discount Plans

5655284-gold-metal-percentage-symbol-with-an-arrow-downVisiting your dentist for regular cleanings and preventative care can save you a lot of money, not to mention pain, down the road. But even preventative dental expenses can add up quickly, especially if you don’t have dental insurance.  An option for you might be dental discount plans.

So what is the difference between dental insurance and dental discount plans? Dental insurance works in the same way your medical insurance plan does. Depending on your plan and level of coverage, you may pay higher monthly premiums but have smaller copays or you may pay a smaller premium for less coverage and a bigger copay or deductible.  With dental insurance you pay the monthly premium regardless of whether or not you visit the dentist. And dental insurance usually has a maximum yearly amount that they will cover.

With a discount dental plan, you only pay for the services you actually use, but at a reduced fee. There aren’t any deductibles or yearly maximums. Discount dental plan fees are usually less than what you might pay for premiums through an employer insurance plan.

Are Dental Discount Plans Worth It? | AZ Family Dental

How To Find Affordable Dental Insurance

Finding low cost health insurance is not easy, but finding affordable dental insurance proves even more difficult. If you are self employed or don’t have ihappy-toothnsurance through your employer you may find that insurance could cost over 2,000 a year for two people. That is outrageous.  If you are looking for affordable dental insurance, here are some tips to help you along the way.

Check with your dentist – Many dentists offer savings plans that allow you to have as many exams, cleanings and x-rays as you need per year at an affordable rate. Other procedures such as crowns or implants may be offered at a discount.

Comparison shop – Like you do when you make any kind of purchase, compare the coverage and premium prices of different plans to see what fits you the best.

Check benefits of warehouse club – If you have a warehouse club membership such as Costco, they may offer dental insurance.

Your alma mater – You may receive certain benefits as an alumnus of a certain school.  One might be dental insurance. Check into it to see if it will work for you.

Check the new health care marketplace: Dental insurance is not mandatory so it’s not offered by all states but some do.  Some include it as part of health insurance and some offer it as a standalone product.

Get a part time job – Many companies offer insurance benefits for part time employees.  This may be the best solution for you.  The group discount alone can save you a lot.

To see more ideas on how find affordable dental insurance and also to see tips on ways to save on dental procedures, check out the article on Fox Business here.