There are some insurance agents out there gritting their teeth and shaking their shoes right now, but I don’t care. It’s time for everyone to know the truth about dental insurance plans. You see, most people are under the impression that they can postpone a visit to the dentist until they feel it is absolutely necessary and then they will be able to call their insurance agent, get a new dental insurance policy, see the dentist, file a claim and live happily ever after. Is that what you think? Were you cheated too? Don’t feel bad because most people were. Here are three reasons why dental insurance isn’t a good deal.
#1. Dental insurance is no different than any other type of insurance. It does not cover anything considered pre-existing at the time of purchase of the policy. This means that if you buy an insurance policy today, see a dentist and prepare your teeth so that your claim is denied and you will have to pay 100% of the costs, unless it is an appointment for basic care, such as a cleaning, but until then, you will have to pay the deductible and the annual co-pay.
#2. Cosmetic dentistry, such as teeth whitening, dentures, orthodontics and other dentistry that has to do with improving your personal appearance, is not covered by the standard insurance policy. Teeth whitening may seem like a luxury, but not having any dentures to chew on your food is a problem for many individuals, especially many seniors who can’t pay the full price for them.