Lack of dental insurance is a reason many people use to avoid visiting their dentist in Northbrook, IL. However, dental insurance is not always necessary and in some cases you might be better off paying for a trip to the dentist out-of-pocket rather than making monthly payments for a dental plan.
If you are comparing dental plans, you need to take a close look at premiums, coverage amounts for yourself and your family, and deductibles. At times, the cost of twelve monthly payments for dental insurance can be more expensive than basic dental care if you don’t need major procedures done. Here are a few things to consider when deciding whether or not to purchase dental insurance.
First, consider the price you will pay each month of the dental insurance premium. The premium is how much your dental insurance will cost every month. This amount does not include deductibles or other out of pocket amounts that you may be charged for certain treatments.
Keep in mind your dental needs and that of your family if they are on your plan. If you or other family members might need extensive dental work, these are costs that need to be considered. Compare the cost of the treatments to the coverage amounts under your plan to determine if you will need to pay out of pocket and how much.
Once you have considered premiums and the needs of those on your plan, you will be able to determine which plans are best for your family, or if it is better to move ahead without a plan. Occasionally, the premiums themselves cost more than visits to the ADA member dentist in Northbrook, IL for regular dental cleanings. If you decide not to purchase dental insurance, you and your family can still continue to visit your Northbrook, IL dentist for regular cleanings and exams as well as whatever other work you may need to have done. Preventative care will help diagnose problems early on and save on costly procedures later.
If you have any other questions about dental insurance, or about oral hygiene in general, reach out to Steven Kacel, D.D.S., M.A.G.D., F.A.D.I. and his friendly staff at his Northbrook Dental office will happily answer any questions you may have. Call (847) 457-0400 to make an appointment today.