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 only do preventive care but like the budget approach to access (limited resources). | I only do preventive care and I have unlimited 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.