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Is dental insurance worth it?

Dental insurance covers the cost of regular dental care while also helping you be ready for life's unexpected dental surprises. Dental insurance includes coverage for regular exams, cleanings and x-rays, the premiums you pay for dental insurance can virtually pay for themselves. Don't let the need for a filling, root canal, crown, implant, or even kids' braces cause you stress. Be prepared and enjoy the savings that dental insurance can provide.

Do I need dental insurance?

Taking care of your teeth and maintaining good oral and overall health can become expensive. Dental insurance pays for preventive care, like cleanings and x-rays, that can keep you healthy, but it also helps pay for more extensive, costly and often unexpected expenses, such as filings, crowns and root canals. 

And, if you have young children, timely visits to a dentist can be an important part of your child’s lifelong oral health. Tooth decay is the most common childhood disease of children aged six to 11 years and adolescents aged 12 to 19 years1—often causing pain that impacts a child’s sleeping or eating habits, and it may lead to school absences. Dental insurance helps make taking care of a child’s oral health more affordable.

Is dental insurance worth it for seniors?

As you enter retirement, it’s even more critical to prioritize regular dental visits to maintain your oral health. People over 60 are at an increased risk for oral health problems — from increased risk of cavities and gum disease to increased risk of mouth, tongue and throat cancer2, your oral health becomes a bigger priority as you reach retirement. Early detection by your dentist is key to diagnosing and treating everything from cavities to cancer before they become more serious.

Since you’re no longer eligible for your employer’s dental coverage once you retire, you’ll need to find a plan that covers your needs. Dental insurance can help you stay on top of your regular dental visits and receive coverage for the care you need, all potentially save money.

Between cleanings and exams to tooth extractions or a root canals, the out-of-pocket costs can quickly add up if you don’t have dental insurance. Many dental insurance plans will cover 100% of two preventative care visits a year, which includes routine cleanings, exams, X-rays, topical fluoride and sealants. Dental insurance can also reduce the cost of other procedures that you may need when you reach retirement, like fillings, extractions, crowns and root canals.

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1. Last accessed November 2019
2. Last accessed November 2019

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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