The most understood recipe that several people follow that leads a healthy life as they age goes something like this: Eat healthy food, exercise, don’t smoke, maintain a good social network, get enough sleep and engage in mentally challenging tasks. Another largely overlooked ingredient is oral health care. Research has proved that the mouth is a window into the general health of a person. This means that there is a direct link between dental hygiene and the health of other parts in the body. Therefore, you should visit a dentist regularly to maintain your oral health. Although there are some costs to visiting a dentist, good dental health coverage is the key.
Does Affordable Insurance in NY Exist?
Recently, some of the top headlines that we have seen include:
- “Is dental insurance worth the cost?” (Money Talks News)
- “Do you need dental coverage?” (Forbes)
- “Should you bite on your dental insurance?” (Investopedia)
Rightly so, today’s dental insurance premiums are more expensive than paying out of your pocket for cleanings and routine checkups. Most dental policies will emphasize on diagnostics and prevention by covering for two annual cleanings and exams, X-rays for seniors and children, and fluoride treatments. The real benefits are covered for bigger dental procedures such as fillings, crowns, and root canals. Most dental insurance offers a “100-80-50” coverage which means that they will pay 100 percent for routine dental preventive and diagnostic care costs; cover 80 percent for root canals, fillings, and other basic procedures; cover 50 percent of bridges, crowns, and other major procedures. According to the National Association of Dental Plans (NADP), the vast majority of dental coverage is provided through group and employee plans that are charged annual premiums of $220 to $400. However, the cost of buying an individual policy is estimated to be about $350 annually. For care that surpasses the routine dental care, most plans often have a cap coverage of $1,500 per year. Similar to health insurance, most plans bare coverage for pre-existing conditions, and rarely will they ever cover cosmetic procedures. Hence, this means that there is nothing such as cheap or affordable dental insurance.
Other Drawbacks of Dental Insurance
If you are considering about purchasing a dental insurance plan, think twice if you want to use it immediately. Dental insurance plans come with waiting periods. For instance, most plans don’t cover fillings for the very first six months after you purchase the policy and to save on some dental procedures, you may have to wait for up to 18 months.
Is There an Alternative and Affordable Dental Insurance NY?
Although dental insurance may seem like a good idea, the overall coverage is poor. While they might have low rates and cover for two dental checkups, their payouts for actual dental procedures are low. Most payouts are often between $1,500 and $2,000 annually. Therefore, if you are exploring dental coverage, it is advisable to forego traditional insurance in favor of other affordable alternatives such as discount dental plans. These plans aren’t dental insurance but an alternative that works like a warehouse club membership. Discount dental plans offer discounts from10% to 60% on dental care costs, have no annual caps or waiting periods. Although you will still pay for the dental services and procedures, you will enjoy them at a discounted fee.
Unlike dental insurance, you can get discount dental plans from Dentalsave directly and not necessarily under your employer. Hence, you can take advantage of this money-saving benefit especially if your employer doesn’t provide any dental coverage, if you are unemployed, between jobs, self-employed or if you can’t access affordable dental insurance.