Is there really such a thing is dental insurance? Maybe that’s just an illusion of some kind. With regular health insurance, each party – the insurer and you – hopes that they will win out. The insurance company hopes that you won’t have a terribly expensive disease, and you hope that, well, that in the end, you won’t have bought more insurance than you need. That’s not how it works with caring for your teeth. Affordable dental care is a kind of illusion.
To begin with, with dental insurance, you can’t very well expect them to pay for whatever you need – expensive procedures like root canals are usually out-of-pocket. For the most part, dental insurance only pays about $1000 or so a year – a figure that hasn’t changed in 30 or 40 years. Since the premiums you pay are only for regular things like twice-yearly checkups, you don’t really end up getting much for your money. In this way, affordable dental care is a distant dream. Dental insurance is nothing like health insurance. You stand practically no chance of making your premiums back.
To many people then, dental insurance isn’t the way to go at all. To many, a dental club is the way to go – which is something like a price club. You pay a $100-a-year fee, and in return, you get to pay discounted rates on a network of dentists.
Typically, you end up saving about 80% on what you would pay if you walked …