If you’ve ever delayed a dental appointment, you probably understand how quickly a small issue can become something more serious. A cavity that starts out as a minor annoyance can lead to significant pain and expensive treatment if it goes unchecked. From cleanings to crowns, dental care costs can add up quickly without coverage. That is why many individuals choose to have dental insurance, even if their teeth feel fine right now.
What Dental Insurance Covers
Dental insurance is meant to make preventive care more affordable while helping manage the cost of larger procedures when they become necessary. Most plans, including those from Ameritas, often cover preventive services like exams, X-rays, and cleanings at 100%. This allows you to stay on track with your oral health while catching problems early. In addition, many policies provide partial coverage for restorative work, such as fillings, root canals, or crowns, which can help reduce out-of-pocket expenses when something more serious arises.
How Coverage Helps You Save
The financial value of dental insurance becomes clear when you compare the costs of routine care and restorative treatment with and without coverage. A standard cleaning and exam could cost several hundred dollars if paid entirely out of pocket. More involved treatments, like a crown or bridge, could exceed $1,000 per tooth. With dental insurance, a significant portion of these costs is reduced. Many insurers also negotiate discounted rates with in-network dentists, lowering fees before your share of the cost even applies.
Why Preventive Care Matters
Skipping preventive care may seem like an easy way to save money, but it often leads to higher costs down the road. A cavity left untreated could eventually require a root canal and crown, both of which are far more expensive than a simple filling. Dental insurance encourages consistent checkups and routine cleanings, making it more likely that you’ll stay ahead of problems before they become painful and costly. This not only helps protect your oral health but can also contribute to better overall health.
Choosing the Right Plan
If your employer offers dental insurance, it is often one of the most cost-effective options available. Employer-sponsored group plans typically provide broader coverage at a lower premium than individual plans. If employer coverage is not available, however, you can still explore individual or family policies. Companies like Ameritas offer plans with varying levels of coverage, allowing you to choose between basic preventive care or more comprehensive protection depending on your needs and budget.
The Bottom Line
Dental insurance is more than just a way to reduce the cost of treatment. It provides peace of mind, knowing that if an unexpected issue arises, you will not have to face the full expense on your own. Whether you are interested in maintaining regular preventive care, preparing for potential dental procedures, or simply looking for financial protection, dental insurance can make a meaningful difference in both your health and your wallet.