As we are deep in the holiday spending season, people are sensitive to the costs they are facing. It’s a time when your budget may strain against its limitations, which also makes it a great time to reassess some of the expenses you’re paying, such as dental insurance.
Maybe you could do better without dental insurance. Here are four key questions to ask about your dental insurance to decide if you should keep paying for your policy.
Is My Insurance Saving Me Money?
A recent study by the American Dental Association showed that most people will pay more for dental care with insurance than they would without it, once you factor in the premiums. Take some time to look at the cost and benefit numbers for your insurance. Is your insurance really saving you money?
If not, maybe it’s time to get rid of it.
Will My Insurance Save Me Money?
Of course, the promise of insurance isn’t that it’s going to save you money today, it’s that it might save you money in the event of a change in your dental health. But will it, really?
Many dental insurance plans come with serious restrictions on when and how you can utilize your benefits. As a result, many people find that even in situations where they thought insurance would save them, it turns out to be a waste.
Look at some of the restrictions on your insurance policy. Does it look like these restrictions would keep you from seeing a real benefit from your insurance? If your insurance isn’t going to help you when you need, it, maybe it’s time to get rid of it.
Is My Insurance Limiting My Care?
One of the problems people encounter when dealing with dental insurance is that the insurance will only cover certain types of care. In some cases, it becomes your insurance company and not your dentist who is controlling the care you receive.
If you are finding yourself bumping up against this problem, maybe you need to ask if the cost savings are worth potentially substandard care.
Is My Insurance Keeping Me from the Best Dentists?
Insurance not only limits your care, it can limit your access to dentists. If you are limiting your search to dentists who take your insurance, you may be keeping yourself from working with the best dentists.
Many dentists have more concern for their patients than bureaucracy, and they dislike the way insurance companies come between them and the people they care for. They also dislike being asked to deliver substandard care. And they know that many of their patients aren’t even getting cost savings, which makes them not want to be a part of a bargain that doesn’t benefit their patients.
We can work with insurance companies, but we often find it isn’t good for our patients. If you want to learn the benefits of working directly with a dentist in Houston, instead of going through an insurance company, please call (281) 367-5559 today for an appointment with Dr. Scott Young, Purveyor of Fine Dentistry in The Woodlands.