Dental insurance, to do or not to do, that is the question. The answer is not the same for everyone. Dental insurance does not work exactly like health insurance. Many people think of health insurance as a way to protect them from extremely high health expenditures. Most health insurance plans, for example Blue Cross Blue Shield, do not have any yearly maximums. Dental insurance on the other hand has a calendar year maximum, and sometimes a lifetime maximum on certain procedures.
Its not meant for the "just in case", but for the "every case". In other words, one does not purchase dental insurance because they think they might need a crown in the future. Dental insurance is purchased because one wants to get their regular cleanings, x-rays and exams, and have coverage for other services such as fillings, extractions, crowns, bridges, etc. Some dental insurances have waiting periods, and some have reduced benefits initially and then increase over time. There is no qualification for most dental insurances other than the willingness to pay for it.
To answer the original question, it depends on whether or not you regularly "service" your teeth. Are you going to the dentist for your cleanings once or twice a year? Then yes, you should get it. The math almost always works. If you are going to need dental work in the near future, but can wait a small amount of time to get it done, than yes, you should get it. Do you or your kids need orthodontics in the future? Then yes, you should get it. But don't wait - for the few dental insurances that assist with orthodonture, they are longer waiting periods.
I've researched several different dental insurances. I'm excited to say that I have found one that is priced lower than most dental insurance providers, starts paying benefits immediately even for things like crowns, and has orthodonture benefits as well. It also gives you the freedom to chose any dentist.
If you'd like more information on the affordable dental insurance in North Carolina referenced above, click here. Security Life Dental Insurance If you'd like more information on other dental insurances or health, life, and disability insurance, in North Carolina please let me know. I can be reached at firstname.lastname@example.org, 919-943-5577, or my website is www.healthinsuranceraleighnc.com.