There is no doubt that health insurance and dental coverage come to mind first and foremost when most people think of the term “work benefits.” It shouldn’t really come as a surprise, given how widely known it is that dental insurance is a necessity. Tooth insurance is a popular perk for many employees. However, why is dental insurance so crucial and necessary in the first place?
When you’re in the throes of a crippling toothache, you’re more likely to find the solution than you’d expect. A bad tooth is one of most disruptive things that can happen to you. Having a good dental insurance plan is essential for this very reason. The trend of introducing dental insurance into a company’s overall benefit package is increasing. Dental health is undeniably important, and doctors are stressing this point more and more every day.
Only 57 percent of Americans under the age of 65 have dental insurance, compared to 85 percent who have medical health coverage. Many businesses are being forced to examine how they spend their limited health care budgets, and dental coverage is one of many things they are looking to cut. This is unfortunate. Since a patient’s full investment risk is so low, dental insurance is deemed unnecessary by some companies. Even the most expensive dental procedures are nearly impossible to bankrupt you financially in the event of an unexpected medical emergency.
In addition to dental health, other physical health problems can be linked to it. The infection of the mouth’s soft tissues known as Gingivitis, for example, can become life-threatening if left untreated. For your overall well-being, it’s risky to ignore dental hygiene.
The upper middle and wealthy classes have historically been the only ones who could afford regular dental checkups and preventive care. People didn’t go to the dentist as often as they should have before dental insurance became widely available, as it turned out. As a result of this change, millions of people now receive regular preventive dental care, which has a positive impact on the nation’s dental health.
However, even in this day and age, there are still many people who cannot afford to pay for dental insurance. Dentists are out of the question because of a severe lack of money. In the absence of proper dental insurance, dental procedures and even simple dental checkups can be prohibitively expensive for many people. As a result, people who can’t afford to pay for these procedures are missing out on vital dental care. There are some people who have a bad taste in their mouth following a dental visit because they have been shocked at how much the dentist has charged them.
Tooth and gum disease is the most common oral health issue that requires professional attention. If left untreated, these gum and tooth problems can quickly worsen, resulting in tooth decay to the point where the sufferer is no longer able to properly use their teeth. Treatment for tooth decay and severely deteriorated teeth can be prohibitively expensive, so those who want to avoid losing their teeth will need to find a solution. This is yet another reason why dental insurance is so critical.
Many more Americans would be in pain if they didn’t have access to dental insurance. The rising costs of premium dental care would also have to be considered. For example, a filling can cost anywhere from $125 to $200 depending on where the person lives in the country. In comparison to dental x-rays, which can cost upwards of $200, routine examinations and cleanings will cost the patient at least $75. Root canals, on the other hand, can cost up to $1,000, and the average cost of cosmetic dentistry is between $1500 and $3000.
Routine dental care is less expensive with good dental insurance, which often pays for one set of x-rays and a cleaning each year in full. Many more expensive emergencies can be avoided with this kind of routine care. Even more importantly, regular dental examinations can often reveal the earliest signs of more serious health issues, such as diabetes. One of the most important aspects of good health care is comprehensive dental insurance.
How important is dental insurance? Without a doubt, the answer to this is very important.