If there are people rooting for dental insurance, there are also those that think it is not worth spending on. What is the situation, truly? Assess it for yourself with these pros and cons on full coverage dental insurance:
First of all, dental insurance will be used. This is because dental visits are 100% sure to happen. If not this year (highly unlikely), then next (definitely.) We don’t just go to dentists when we feel pain in our teeth or gum area, we need to see a dentist for a professional cleaning and even to get sealants.
The professional cleaning is not cheap, and neither are sealants. But they are essential to good oral health. Professional cleaning should be done at least once a year, but better is done more often. Our teeth are full of hidden crevices and space where plaque or food can stay unless removed with a dental instrument.
Secondly, emergencies will happen, and unfortunately, they happen when we are at our weakest, emotionally or financially. Do you always have extra funds in your bank, like an emergency fund? If you do, then maybe you don’t need to worry about sudden need to go to a dentist. However, if you are like most adults, there is never an emergency fund all the time. This is why dental insurance can help.
You could have healthy teeth and gums, and therefore will probably not need any major dental work done, just regular cleaning. This hardly justifies getting dental insurance, does it? Think of all the money you will have to pay for dental insurance, and not get to use at all. If you’re wondering what is full coverage dental insurance, it’s simply a more comprehensive program that can be expensive without offering many benefits over regular dental insurance. Examine plans carefully before choosing one.