The American Dental Hygienists’ Association estimates that nearly 75 percent of Americans have some form of periodontal disease. Just a little over half of all Americans have visited a dentist in the past year, and over 108 million children and adults lack dental insurance. This number equals 2.5 times the number of Americans who do not have health insurance. Uninsured children are half as likely as insured children to receive dental care, and nearly one-third of poor children do not receive dental care on their primary teeth.
Most dental plans pay 100 percent of preventive care expenses and 80 percent for denture repair and periodontal maintenance and cleanings. For root canals, oral surgery and fillings, most dental plans pay around 50 percent. Most experts recommend getting dental insurance if annual expenses for dental work will exceed $500. Premiums average around $50 per month, but costs will vary. Most dental plans allow a maximum yearly expenditure between $1,000 and $1,500.
Many employers offer dental plans, or people may obtain quotes for dental insurance online. Being part of a group, like a union or a community group, may provide people with discounts on dental insurance. AARP, for example, provides special dental plans for its members. Many people also save money by getting care at high-quality dental schools. For people who need financial assistance, many state governments provide subsidized insurance plans, particularly for children. Whatever the source, maintaining oral health with regular dental visits is crucial to overall wellness. Obtaining dental insurance could save people a significant amount of money over the long-term.
Resources:
http://www.dentistry2000.com/dentalinsurance/consumer.htm
http://www.bankrate.com/finance/insurance/dental-insurance-or-discount-plan.aspx
