Pros & Cons of Dental Insurance

by J.E. Cornett ; Updated July 27, 2017
Dental insurance can help you keep your pearly whites pearly, but comes at a price.

Dental coverage is becoming less and less common as a part of employers' health insurance plans, and adults with Medicare may be surprised to find that dental care is not included. Before you purchase a dental insurance policy, though, evaluate the pros and cons.

Pros

If you or your family have extensive dental health needs that go beyond the annual checkup and regular cleanings, dental insurance can help you save on costs, covering expensive dental care such as fillings, root canals and even orthodontics.

Cons

Dental insurance may not be a good idea for everyone. Bankrate estimates that private dental insurance premiums can cost between $225 to $396 per year. Deductibles and co-pays may add to the cost. Many dental insurance policies have an annual cap of $1,200 to $1,500.

Considerations

If you've spent more than $1,500 a year on dental health care in the past, or have ongoing dental conditions, paying for dental insurance may be a good idea. Otherwise, depositing the money you'd spend on premiums into a personal savings account or your employers flexible health care spending account may be a better use of your money.

About the Author

A writer and information professional, J.E. Cornett has a Bachelor of Arts in English from Lincoln Memorial University and a Master of Science in library and information science from the University of Kentucky. A former newspaper reporter with two Kentucky Press Association awards to her credit, she has over 10 years experience writing professionally.

Photo Credits

  • Teeth and Mouth image by Sujit Mahapatra from Fotolia.com