Health insurance is crucial in order to afford the care you need. Health care plans help with various medical expenses, from emergency services to prescription drugs and preventive services. Unfortunately, there are a few exclusions in most health insurance plans. One of these exclusions is dental care.
Dental care is often excluded from health insurance because it is seen as cosmetic. As many know, dental work isn't always simply related to having straight teeth and a nice smile. Issues with your teeth and gums can cause major issues, as the area is tied almost directly to other aspects of your body such as tissue, blood vessels and your brain.
What Health Plans Do Cover Dental Care?
Most of the time, you will have to purchase dental care insurance as a separate policy. Some health care plans do include dental care, however. If you intend to purchase health insurance through your job, make sure to read the benefits carefully. Some employers offer dental care as part of their employee benefits package.
Dental insurance generally covers:
- Oral Surgery
- Preventive Care
- Basic Procedures
- Root Canals
Dental insurance is relatively affordable. The average cost of dental insurance in the United States is about $15 to $50 a month, or $360 a year. If you're on the fence about whether you need dental care, compare its cost with the cost of the services it offers. The average cost of a single-tooth root canal is between $700 and $900. A dental crown alone can cost more than $1,000. On average, you may pay anywhere from $1,100 to $1,500 for a single crown, depending on the type and value of the crown itself. Any other emergency services can cost hundreds — or even thousands — of dollars without insurance. You shouldn't go without care and risk worsening your condition, but it's also important that you don't go into debt after a procedure. Dental care insurance helps carry the burden of dental care costs so that you can receive the care you need without draining your savings.
Even the cost of regular visits and cleanings can add up. If you have children, for instance, they may need braces or fillings in the future. Braces are expensive, and around 4.5 million people in the United States need them, the majority being children and teenagers between 6 and 18 years of age.
Add it all up, and you can see why dental coverage is important. Check with your Choice One Insurance agent to see if your health insurance policy has a dental option you can add.
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