Why Dental Insurance Is A Must-Have

The importance of medical health insurance is well known. In fact, a survey reveals that it is the primary preference among employees when it comes to features that they want to have in their employment benefits package. The same survey indicates that next to health insurance, dental insurance is the most sought after benefit for workers.

Despite this, the majority of people still consider dental insurance inessential as a form of insurance. If this view changes and more people recognize the importance of dental coverage in or out of the workplace, the quality of dental health among the general population will improve and the cost will be more manageable for numerous individuals.

Dental health is vital to overall physical health. For example, Gingivitis (infection of the soft tissues in the mouth) can easily affect the entire system and lead to hospitalization. A fractured tooth can result in serious infection that could even lead to death in rare cases. In other words, even a simple dental affliction negatively affects the functioning of the entire body. Dental health, therefore, is crucial to overall well-being.

One of the worst forms of pain comes from a toothache brought about by any of several possible causes ranging from tooth decay, to ineffectual dental filling that needs to be fixed, or to infection. Nothing disrupts a normal workday worse than a toothache can. Despite this, the number of people who actively seek out dental insurance is lower than it should be. However, employers are now beginning to realize the importance of including dental insurance in their benefits packages for employees.

Dental care is often expensive for quite a few individuals. This is most probably the biggest reason why it is often neglected. A routine dental examination and cleaning can cost around $75 dollars or more. A filling often ranges in cost from $120 to $200, while a full dental x-ray could set the person back by more than $200. A more serious procedure such as root canal, though it is also quite common, can cost up to a $1000. Cosmetic dental procedures such as teeth whitening can easily cost a lot more than one thousand dollars depending on the exact type of procedure.

Having dental insurance cuts the costs of dental care. It can completely cover the costs of routine procedures. For example, it can pay for a set of dental x-rays plus cleaning once in a year. Being covered by dental insurance can also encourage more and more people to maintain long-term dental care, a practice that is crucial to the maintenance of overall health and eventual lessening of medical costs.