Pros and Cons of Family Dental Insurance
Some people are lucky enough to have family dental insurance included in their job’s benefits. Others may not, and that’s when it’s time to decide if it’s worth it to get dental insurance. Though it would be foolish for you to go without medical insurance, the same may not be true for dental. Consider this list of pros and cons to help you decide if dental insurance is best for your family.
Pro: It’s great for large families with a lot of dental needs.
Family dental insurance is a must if you have a large family. The cost of regular cleanings alone can easily surpass the insurance premium required. It easily pays for the costs of cavity repair as well. Likewise, dental insurance is great if a history of dental needs runs in your family. Some people are more prone to tooth decay than others, and if this is your family, dental insurance will save you a great deal.
Con: Small families would likely pay extra with dental insurance.
According to the ADA, the average American without dental insurance pays about $200 per year for dental work, which is much less than the standard premium of $500 dollars. The more people you add to your plan, the cheaper it becomes per person, but if you have a family of four or less, the cost of the premium will likely be higher than the cost of dental work performed that year. So if you have a small family with minimal dental needs, family dental insurance may not be your best option.
Pro: It’s wonderful for emergencies.
The only way to truly be prepared for the unexpected is to have dental insurance. If there is an emergency, such as a broken tooth, need for a root canal, or a development of gum disease, you’ll have the insurance in place to cover it.
It’s also great if members of your family are involved in sports. All kinds of dental emergencies arise as a result of sports, so family dental insurance may be your best protection.
Con: There may be a waiting period.
Many dental insurances require a waiting period after you sign up. Generally, regular restoration services, such as fillings and tooth extractions, will require you to wait six months before the insurance will cover them and major dental work, such as root canals, crowns, and bridges, can take up to a year for coverage to kick in. This waiting period may cause you to lose money if you need work done sooner than when the waiting period is up.
Pro: Dental insurance encourages oral health.
People who do not have to pull the money for their dental checkups immediately out of their pocket are much more likely to have better oral health. They’re more likely to get semi-annual cleanings and have cavities filled before the damage becomes worse. All in all, dental insurance is a great motivator for oral health in families.