Dental insurance may not be the best option and means by which one can limit the cost of dental care; yet, for many people, it is the only thing they know and it has been the only option that they have for a long period, aside from paying cash for any dental work they would like to undergo. However, despite the popularity of dental insurance, many people still finds the dental insurance system burdensome and fraught with limitations. If only they have a better option, they would surely readily drop their insurance plan and get embrace that option. Yet, there is not much option, except for the dental discount plan, which at present is giving dental insurance a run for their money. Dental insurance may not be the ideal dental plan, yet many still patronize the insurance companies, hoping that they could get a reprieve from the staggering costs of dental works. However, dental insurance, as said earlier, is fraught with limitations, and some of these limitations or disadvantages are quite obvious.
First, it is expensive. The cost of getting a private dental insurance is quite high; and together with the cost of Medicare, the consumers are often left scratching their head and asking whether insurance is really worth the pay. Likewise, there are many people who could not afford it; and this may be the reason why a lot of Americans fail to have a good regular dental care and checkups. In fact, based on statistical data, almost one third of the citizenry of the US barely have a regular dental checkup. The cost is prohibitive and hence, many people could barely afford it.
Moreover, most insurance doesn’t cover pre-existing dental conditions at the time a person gets a dental insurance. Say, for instance, you already had an existing dental problem, and you want to have that dental problem fixed; so you try to get a dental insurance. You’ll be surprised that that the dental work on that pre-existing condition will never be under the coverage of your new insurance. Hence, some people are stuck to their old insurance policy which may not be likeable or beneficial to them.
The next drawback of dental insurance is the limitation imposed by the coverage on which dentist you can choose. Often, you will never find the best dentists in the list of most dental insurance. Likewise, in most instances, you will find yourself in the hands of dentists with whom you are not comfortable.
Additionally, some dental insurance don’t cover some dental procedures. It may cover some simple dental procedures, but may not include expensive procedures such as root canal and other complicated dental procedures. Hence, if you want and need these expensive dental procedures, you can’t help but dig deep into your pocket and shoulder the cost of these procedures.
Dental insurance only cover a certain percentage of the total cost of the dental procedures. Its limited coverage and its prohibitive cost really make it difficult for the ordinary guys to avail of it. Hence, the fact still remains—that a third of the population still fails to get the needed dental care that they deserve.