Dental Insurance Isn’t Your Friend
Many people look at dental insurance as being similar to health insurance, but it’s not. Health insurance partly pays for preventive care, but it’s mostly there for when you have a catastrophic problem that is very expensive and could potentially bankrupt you.
But dental insurance is different. It helps with preventive care, but if you have a major problem the insurance company will often pay little or nothing for it. If you look at a dental insurance policy, you will see that it’s mostly exclusions: what they won’t pay and how long you have to wait before they pay anything. No wonder an American Dental Association (ADA) study found that most people will pay more for dental care if they have insurance than they would pay without insurance.
Meanwhile, dental insurance can interfere with your treatment. The insurance company might deny or alter some procedures so you end up getting worse care.
Instead of counting on dental insurance, it might be best to work directly with your dentist to get affordable quality care.