Does it make sense to buy dental insurance?

Unlike medical insurance, which offers unlimited coverage, dental insurance generally limits their coverage to $ 1000 to $ 1500 a year. However many dental insurance cover free preventive care, so that twice a year teeth are regularly checked and cleaned.

 For major services such as crowns and root canals  a waiting period of 1 year is customary. The waiting period is necessary as in the past many clients bought the insurance and canceled it as soon as the major dental work was done, with the consequence that the insurance carrier had huge losses.

 My advice is that dental insurance is not necessary if you have good and healthy teeth. But if you have crowns and fillings than you better off having a dental insurance. The regularly free preventive care will assure that your teeth are kept in good condition and in the event that major work is needed, you will pay one-third of the customary dental fees.

Before buying a dental insurance check to see whether your dentist is in the network of the insurance plan you are considering.

For more information on Long Term Care & Life Insurance contact me at info@solidhealthinsurance.com or 310-909-6135.