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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.