Should I Have Dental Insurance?
Delta Dental…should I have dental insurance?
Should I have dental insurance? This question comes up at Dublin Health and Benefit Group all the time. 3 scenarios below detail when the answer should be “DEFINITELY YES”, “MAYBE” OR “PROBABLY NO”. No matter what you decide, the advantages of owning a plan include:- Pre-negotiated discounting of services so when you need care it is less expensive or paid by insurance;
- Dental expenses are monthly budgeted rather than a sudden budget busting catastrophe;
- Higher likelihood you will maintain your teeth and discover problems early on…people with coverage are more likely to go for preventive services;
- Helps manage ongoing care plans from year to year.
| Definitely Yes | Maybe | Probably No |
|---|---|---|
|
I have a care plan with multiple thousands in care anticipated. |
I have a care plan with multiple thousands in care anticipated. |
I only do preventive care but like the budget approach to access (limited resources). |
|
I am adhering to a tight monthly budget. |
I do preventive care and an occasional filling. |
I have a fully funded H.S.A with plenty of money to self-insure. |
|
I want to consistently get routine care and don’t like surprises. |
I need cleanings but also have Periodontic needs. |
I have dentures and don’t need care. |
|
I am seeking discounts for the cost of care. |
I have a fixed income and large unexpected expenses are difficult for me to handle |
I don’t have teeth or dentures. |
|
My children need braces 6 months or more from now. |
|
I have very limited resources and other priorities leave me broke each month. |
Next Step: So Should I have Dental Insurance? If you answered “Definitely Yes or Maybe”…call us at 603-563-8820 or email sales@dublinhealth.net for advising about plan options.
Or Enroll NOW yourself!
Individual Health Insurance is also available.