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4 reasons people don’t purchase dental insurance

Good oral health is important for overall health and quality of life.

Too many people hesitate to invest in dental insurance. What are some of the reasons that people do not buy dental insurance, and why should those reasons not make you stay away from purchasing a policy that will protect your oral health?

Reason #1: “I already have great oral health”

Some people are fortunate to have strong teeth that are not prone to cavities. They do not have any medical conditions that make them susceptible to infections, and they may not even know what a toothache feels like.

If you are one of these happy people, you should stop to consider the importance of maintaining your good oral health. Regular brushing and flossing are essential, but those things alone cannot make your mouth completely clean. The tools you use are not sufficient for removing the culprits of cavities and tooth decay, tartar and plaque, and your eyes aren’t trained to catch potential problems before they happen! Going to the dentist twice a year will leave your mouth feeling refreshed and will give your dentist a chance to catch any budding oral health problems before they become too serious and expensive.

Reason #2: “Dental insurance isn’t a good value. I prefer to pay out-of-pocket”

If you only go to the dentist to get your teeth cleaned, you may think that it is cheaper to pay the cost out-of-pocket than it is to pay for a dental insurance policy. The average teeth cleaning only costs between $75 and $200. Twice a year, this doesn’t seem like a lot, but if the dentist recommends further work, you’ll be glad for your insurance policy.

Still, is dental insurance too expensive to be considered a good value? No. When you get a quote for dental insurance, you may be surprised at how cheap it is. Rates vary between policies and areas, but chances are that dental insurance won’t wound your wallet too much.

Reason #3: “I use my flex spending account for dental expenses”

A flex spending account (FSA) can cover some medical and dental expenses. Plus, the money you put into an FSA isn’t taxed. Sounds like a pretty sweet deal, right?

The caveat with FSAs is that there is a yearly limit on how much you can put into the account. If the cost of necessary dental procedures exceeds the amount in your savings account, the rest of the money will come out of your pocket; you could end up paying thousands of dollars.

Reason #4: “My dentist isn’t in the insurance network”

Your dentist is a great person, listens to your needs, and always takes good care of you. You don’t want to end up with an insurance policy that will make you part ways with your favorite oral health care provider.

Your concern is understandable. If you cannot find an insurance policy that your dentist accepts, don’t immediately reject the idea of buying insurance. There are tons of great dentists that do accept insurance, and you might be able to find one that is just as good as your current provider. There are also plans available that allow you to save, even at dentists out-of-network, though you see the most savings when you stay in-network.

Dental insurance is important. Don’t let excuses stop you from making this important purchase that can protect your oral health and keep you smiling bright.

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Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.

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