Dental insurance is not required to be a patient of Dr. James Murphy and Proven Dental. Dental insurance isn’t really insurance – a payment to cover the cost of a loss. It is actually a monetary benefit, typically provided by an employer, to assist their employees pay for routine dental treatment. Employers usually purchase a plan based on the overall benefit and the premium costs per month. Most dental benefit plans are only designed to cover a portion of the total cost of a patient’s necessary dental treatment. For example, the dentist may recommend a crown (cap) for a tooth that has had extensive work completed on it, however the dental plan may only cover the cost of a filling. This does not mean that the patient does not need a crown, only that the benefit is limited to a filling.
As a dental consumer, each year you should carefully review the cost of purchasing dental insurance or a dental benefit plan by comparing the average annual cost of a household’s dental bills with the proposed 12 monthly premium payments for dental insurance. Historically dental insurance was a relatively small out-of-pocket benefit for many employees, but with increases in ALL healthcare policies this is not so true anymore. It may make more financial sense to pay out-of-pocket for dental care than to pay a monthly premium.
Many people think if they don’t have dental insurance, they can’t afford the dentist. People who plan accordingly can realize long-term savings that routine dental exams and hygiene appointments provide when problems are detected early. Preventive care is an affordable choice. Dental exams, digital images and prophylaxis along with good homecare habits can help prevent costly dental needs. Personal household budgeting is an effective way to save for dental care. Just like people budget for groceries, TV/cable, phone service, and car payments, setting aside a little money each month allows patients to get the care they need without insurance.