Many people who do not regularly visit their Carlsbad dentist use lack of dental coverage as their excuse. However, dental insurance is not always necessary, and in some cases you might be better off paying for a visit to the dentist out-of-pocket rather than making monthly payments for a dental plan.
When you are comparing dental plans, take a close look at premiums, coverage amounts for yourself and your family, and deductibles. At times, the cost of twelve monthly payments for dental insurance can be more expensive than basic dental care if you do not need major procedures. Below are a few things to consider when deciding whether or not to purchase dental insurance.
First, consider is the cost of the premium in the insurance plan. The premium is how much your dental insurance will cost every month. This amount does not include deductibles or other out of pocket amounts that you may be charged for some treatments.
Think about your dental needs and those of your family if they are on your plan. If you or other family members might need extensive dental work these are costs that need to be considered. Compare the cost of the treatments to the coverage amounts under your plan to determine if you will need to pay out-of-pocket and how much you will owe.
After considering premiums and the needs of those on your plan, you will be able to determine which plans are best for your family, or if it is better to move ahead without a plan. Occasionally, the premiums themselves cost more than visits to the ADA member dentist in La Jolla for regular dental cleanings.
If you decide not to purchase dental insurance, you and your family can still continue to visit the La Costa dental office for regular cleanings and exams as well as whatever other work you may need to have done. Preventive care will help diagnose problems early on and save on costly procedures later. Some dentists also provide in house discounts for loyal patients, senior citizens,etc. Always inquire about these options.If you have other questions regarding dental insurance or would like to schedule an appointment with a Carlsbad dentist, call (858) 345-4497 to speak with our friendly staff.