What Can Happen When You Don't Have Dental Insurance

Very few people actually LIKE paying for insurance, myself included. However, there's a kind of insurance that I recently don't mind paying one bit- dental insurance.

How Dental Insurance Works

There are different types of dental insurance, but the foremost common typically require you to pay a deductible dictated by the plan, and therefore the plan will cover to a certain amount per year for services. For each service, the dentist and insurance provider has a rate that's prescribed, which is usually but the complete price of the service. The plan also (usually) only covers a particular percentage of the negotiated price for the service you receive. For example, a dentist's price for a filling could also be $319, but the negotiated rate together with your insurance provider may only be $200. Your plan may cover 90% of fillings, which would then require you to pay the other 10%, or $20, for it.

Understanding how dental insurance works is certainly important, but what i feel could also be even more important is knowing why you ought to have it. I am a walking advertisement for dental insurance.

What Can Happen When You Are Uninsured

About three years ago, I turned 26 and was not ready to stay my parent's insurance plan, including dental coverage. At an equivalent time, I used to be also in grad school, only teaching very part-time. I did some research and located a serious medical plan through the insurance marketplace and decided it wouldn't be an enormous deal to forego the dental coverage until I finished graduate school (i needed every penny i could save!). This was probably one of the biggest mistakes I've made in my adult life.

Two and a half years later, I used to be offered dental insurance through a replacement job and decided to enroll. I found myself a dentist, scheduled a check-up, visited said check-up, and got some pretty terrible dental news. Because I postpone getting dental insurance (and therefore postpone getting to the dentist), I even have found myself with dozens of procedures- starting from fillings to root canals to crowns- that need to be done.

You're probably thinking, "but you've got dental insurance to buy that," and that is partly true. However, dental insurance only covers up to a particular amount annually, like I discussed. For my plan, this is often $1500, and with all of the work I want to be done, that number will far be exceeded... exceeded by thousands.

Words of Advice

My dentist highly recommends that I do not postpone these procedures until my insurance restarts next year (believe me, I asked). He tells me that "if you are going to attend for insurance, you're always getting to be expecting insurance." initially I found his words to be harsh, but now I completely agree. If I just wait and have a touch done when the insurance covers it, I'll always be trying to catch up, which can likely just breed more problems in the meantime.

I understand that not everyone will experience an equivalent poor dental misfortune that I even have, but I had no idea I might encounter numerous issues either. If I had any indication of the issues, I definitely would have sucked it up and just bought dental insurance alongside my Obamacare plan within the marketplace. That said, you actually just never know and it doesn't hurt to be prepared. Lesson learned.

So please, please learn from my mistakes. Get dental insurance, get your exams, get a cavity filled here and there in order that you do not find yourself like me and need to have a cavity filled nearly EVERYWHERE.

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