Dental Insurance - 4 Reasons Why You Really Need It

Lots of people view dental insurance as a "sacrifice".  They think that buying dental insurance is going to take a chunk out of their budget - and that it's not really something they need in the first place.

Here's why all of those people are wrong:

  1.  You never know what's going to happen

    Even if you've always had a healthy mouth, you never know when disaster is going to strike.  For example, you could play a game of touch football with your buddies and chip a tooth.  You could bite into a piece of corn on the cob and knock out an old filling.  If you don't have some kind of dental health insurance plan, you're going to wind up paying for these things all by yourself - and, unfortunately, it could cost you hundreds of dollars, if not more!

  2.  It's cheaper than you think

    Most people skip over dental insurance because they assume they can't afford it.  However, a good dental plan isn't like health insurance; it won't cost you an arm and a leg!  In fact, you can get a quality individual dental health insurance plan for a monthly price that's roughly the same as a few value meals from your favorite fast food restaurant.  When you look at it that way, you can't afford NOT to have it!

    And, if you opt for family dental insurance, you can save even more money.  If you do your homework, you can insure everyone in your house together for a rate that's much lower than if you were to go out and buy an individual dental plan for each member of the family.

  3.  It's a valuable lesson for your kids

    When you sign up for family dental insurance, you're not just protecting your family's teeth.  You're also teaching your kids an important lesson about maintaining their oral health.  After all, if you didn't have any kind of dental plan, you'd probably never get around to going to the dentist.  That's not a habit you want your kids to get into!

    Instead, by having a dental health insurance plan, you can teach your kids how easy it is to get the necessary dental work done.  That way, when they grow up and have kids of their own, they'll sign up for their own dental plan!

  4.  The sooner you get it, the sooner any waiting periods will end

    Some dental insurance policies come with "waiting periods" that don't cover major services until you've had the policy for a specific length of time.  So, if you try and sign up for a dental plan right before you need your wisdom teeth taken out or some major root canal work done, you'll be out of luck.  But if you already have a dental health insurance plan in place, you won't have anything to worry about!