Is Dental Insurance Worth It?

Do I Need Dental Insurance?

Whether you need dental insurance is subjective. It depends on the risk you are willing to take. Like most insurance, its true value shows when things go wrong.

For instance, the average premium for dental insurance is about $360 per year.¹ Dental cleanings average $125 each, though they can range from $75 to $200. If you only get one or two dental cleanings a year and shop around for lower prices, dental insurance may not “pay off." But what if during your cleaning, the hygienist or your dentist finds cavities, periodontal disease, or other problems that need to be addressed? Dental care can get awfully expensive and dental insurance can help lighten the blow to your wallet.

How Much Does Dental Care Cost?

Dental care costs can vary widely based on where you live and your dental needs. Dental care can range from a simple cleaning and routine X-rays to more serious dental treatments like a tooth extraction, root canal, or bridge. See the chart below for some typical cost ranges.

Cosmetic dental care like teeth whitening or veneers are usually not covered by insurance, so, even if you have insurance, you may have to pay these costs yourself. For care for a dental health issue, insurance can help pay the bills.

What Types of Dental Plans Are Available?

Dental insurance companies generally offer three distinct types of dental plans: Dental Health Maintenance Organizations (DHMO), Preferred Provider Organizations (PPO), and Dental Discount Savings Plans (also known as a Dental Savings Plans). Here are some basics about each.

So, which dental insurance plan is best for you? This might depend on your current medical history. If your oral health is generally good, and you do not mind choosing a dentist from within the network, you may choose a DHMO. If you would like the option of seeing an out-of-network dentist (at a higher cost to you), or do not want to seek a referral to see a specialist, such as a periodontist or oral surgeon, a PPO may be a better option. If you would rather simply pay a discounted rate and do not mind being limited by the dentists you can choose, a Dental Savings Plan could be right for you.

If you are a Medicare or Medicaid member, be aware that in most cases dental procedures are not covered. Medicare will usually only cover dental care in the case of emergency or if the care is included with another medically necessary procedure.³However, some Medicare Advantage (Medicare Part C) plans offer dental coverage.

How Can I Save on Dental Costs?

There are resources you can use to find quality dental care for a low or reduced cost. For instance:

• Your Dentist's Office. Ask about dental payment plan options or healthcare bundles that cover the cost of cleaning and X-rays for a year. Some dentists may be willing to treat patients with lower incomes for free.
• Dental Schools. Dental schools may offer lower-cost care to attract patients for dental students to learn and practice on. All students are usually supervised by professional, experienced dentists when treating patients
• Free Local Clinics. Ask your local health department if there are any clinics or non-profit organizations that offer free or low-cost dental care in your area. “Pop-up" clinics sometimes offer free care over a specific weekend, or mobile dental vans may serve your area. An internet search should help you find what is available.
• The Children's Health Insurance Program (CHIP). If you have children without health insurance, CHIP provides medical and, in most cases, dental coverage for children up to the age of 19. Find out what your state offers here.

CareCredit Financing For Dental Care

Regular dental checkups are important to help prevent, identify and treat dental problems before they become more advanced. The CareCredit credit card can help you pay for dental exams, cosmetic dental procedures, and other costs that insurance doesn't cover — to help you keep your pearly whites bright and healthy.* Apply today and use our Acceptance Locator to find a dentist near you that accepts CareCredit. Make the most of your wellness journey by downloading the CareCredit Mobile App. You can find a provider on the go, manage your CareCredit account, and easily access the Well U hub for more great articles, podcasts, and videos.

Our Expert Reviewer

Patty Caballero and her team of consultants together have more than 35 years of health insurance knowledge working for some of the biggest health insurance companies in the US. She has knowledge in building brands and strategic initiatives to help consumers better understand their health benefits.