I finally got dental insurance. Why am I still paying so much out of pocket?
It is often frustrating when we have one expectation but something else happens. Your dental insurance coverage, chosen between you and your employer, works well to cover your basic preventative needs and other minimal treatment. However, when you or a family member neglects seeing a dentist for longer than the recommended six months, there is a greater risk of increased problems. Unfortunately, a substantial amount of treatment may then be needed.
Dental insurance began in the 1970’s and the average benefit was $1,000. With inflation, the average benefit today should be close to $7,000. Unfortunately, the average benefit is still $1,000. Any restorative treatment or fillings are usually covered only up to a certain percentage, and the balance is your portion to pay. When it has been multiple years since seeing a dentist, and there is breakdown of the teeth or supporting bone, the average treatment may cost from $2,000 to $4,000.
It is very important to invest in your dental care so the problems do not get worse. Timing the treatment to maximize your insurance can work in some cases, but can be dangerous if there is infection. Phasing the treatment to treat the major problems and bite issues can allow you to get the treatment you need and make it more affordable.
