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Is Dental Insurance Worth the Investment?

Posted on 2/8/2021 by Dr. Poovey
Is Dental Insurance Worth the Investment?Do you need to invest in dental insurance? If you wish to ensure your dental health, buying dental insurance is a worthwhile investment.

What Dental Insurance Usually Covers

According to the National Association of Dental Plans, most people in the U.S. have dental benefits, with most people possessing private coverage from a group plan or employer program. Medicare does not cover dental care, and Medicaid programs extend dental care only to children. What most people do not realize is that dental benefits differ from insurance. An insurance plan is, therefore, a good investment, as it is designed to absorb risk. In return, a patient does not usually have to pay the total cost to have a root canal or similar dental procedure.

What Dental Insurance Typically Covers

Dental insurance usually covers some part of the expense of a dental procedure, such as the placement of fillings or crowns. It also covers root canals and oral surgical procedures. Some plans extend coverage for treatments that cover dental care related to periodontics, prosthodontics, or orthodontics. The insurance normally covers all the costs for two preventive visits per year. If you purchase an individual dental policy, procedures involving periodontics or prosthodontics may not be available during the first coverage year. You may also have to purchase a rider and pay additionally for orthodontic insurance coverage.

What Is the Coverage Structure for Dental Insurance?

Most dental insurance policies feature a 100-80-50 coverage structure. Therefore, the insurance covers 100% of preventive care costs and 80% of the basic procedure's expense. The costs of major procedures fall at around 50% coverage. Some policies will not cover some procedures, such as sealants. If a policy or plan sets a cap at $1,500 for the year, you will have to pay for any expenses beyond that amount.

For the most part, dental insurance is a good investment. You need to scrutinize your policy choices carefully. Insurance can remove the burden of paying for a costly procedure and cover your preventive care needs. Give us a call today if you need to schedule an exam and cleaning. If you do not have insurance currently, we can discuss financing.


2412 Patterson Rd. #7
Grand Junction, CO 81505-1259


(970) 243-2025


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Fri: 8am - 3pm

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JP Dental & Implant Center, 2412 Patterson Rd., #7, Grand Junction, CO 81505-1259 • (970) 243-2025 • • 11/30/2021 • Related Terms: Dentist Grand Junction CO • Dentist Grand Junction CO •