The Case Against Dental Insurance

By |2018-08-29T13:18:54-05:00August 27, 2018 1:15 pm|Money|0 Comments

(KDKZ-TV)Many people would consider medical insurance a necessity. But what about dental insurance? Money expert Stacy Johnson has a few things you should know before you bite.

Health insurance is a necessity for one simple reason: very few of us have the money to handle a critical illness.

But what about dental insurance? This isn’t like medical insurance because here it’s not just your teeth that are getting capped – It’s also your benefits.

“In dental insurance, it’s the opposite. Dental insurance basically pays for the first $1,000 to $1,500 worth of care on a percentage basis. After that it’s all out of pocket for the patient.”

Plans will typically pay in full for cleanings and x-rays, but may only pay half for the cost of fillings or pulling teeth, and nothing for cosmetic treatments like teeth whitening.

Forty percent of Americans don’t have dental insurance, according to the National Association of Dental Plans, and the majority of those who do, get it through their employer. Policies you buy yourself could cost $50 a month. That’s $600 a year.

So if you are paying for your own policy, should you just brush it off? Well, the ideal person to discuss it with is your dentist.

“If your plan costs more than half of what you’re going to be receiving per year, then you really have to think about whether it’s worth it.”

Also keep in mind the power of prevention. Taking care of your teeth and overall health now can save you time, money and pain later.

 Bottom line… You might want to think twice before you take out a dental policy. But that doesn’t mean there aren’t ways to save.

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About the Author:

I joined News Channel 18 in May 2011 in the weather department as Chief Meteorologist. In January 2013, I assumed the roll of News Director. I started my career in 2003 in high school. I attended Farmington High School. While there, I was a student in Black Knight Television (BKTV), doing anything from camera work, to editing, producing and anchoring the weather. I attended Mineral Area College, University of Missouri – Columbia, Mississippi State University and Webster University. While attending college, I continued to help out with BKTV. In 2009, I interned at KOMU-TV, Columbia, Missouri’s NBC affiliate. I enjoy spending time with my wife, Danica and our daughters , Declynn and Danleigh. I can’t forget about our dog, Daisy. We rescued her in 2011. We also have a cat named Dolly. I am committed to giving you the most accurate information, whether it’s from my latest weather forecast, or a news story that could touch your heart. Contact me if you have any questions or a news idea.

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