If you’re deciding whether to invest in dental insurance for 2021, it’s important to realize how regular dental care can help preserve your health — dental and medical — years down the line. For people trying to achieve a healthy smile for as long as possible, dental insurance makes it easier to invest in the routine care needed to meet that goal.
Choose the right dental plan for the biggest savings
There are a few factors that can make dental insurance a better or worse investment.
For example, if you have low premiums through an employer, it’s considerably easier to see the return on your investment.
On the other hand, if your current dentist is out of network for the dental insurance plan you’re considering, the coverage may not be worth it — unless you’re willing to switch to an in-network dentist.
Don’t try to wait until just before you need dental coverage to buy it, though, as many plans have a waiting period of six months to a year before they begin covering larger procedures like crowns and implants, so you may end up paying out of pocket in a real emergency.
Use dental insurance as motivation
Many people avoid going to the dentist because they’re worried about the cost. It could be that even a routine cleaning will strain their budget, or a fear that they’ll discover they need more extensive work done, which can quickly add up.
However, if you’re still reluctant to go to the dentist, you can reverse that logic to motivate yourself to take care of routine dental needs. Just like buying a gym membership to force yourself to go to the gym, paying for dental care proactively may push you to get the most out of your investment — by finally going to the dentist.
Getting affordable, biannual dental visits will help you and your dentist stay on the lookout for dental problems, and it’ll also increase your comfort with the dentist’s office if larger dental problems emerge.
Routine care prevents costlier problems down the line
Going in for a regular, routine cleaning is an important part of supporting not only dental health, but the health of your whole body.
Costly issues such as broken fillings and gum disease can develop into more severe tooth decay and loss, which quickly adds up into more expensive and painful procedures. With a regular cleaning, these problems can be caught early and repaired.
Gum disease is associated with heart disease including heart attacks and strokes, and cancers of the mouth can be detected during a cleaning. That means preventative dental care can help preserve your smile as well as your overall health and well-being.