According to a recent study, 1 in 4 people with dental insurance provided by an employer admit they haven't been to the dentist in the last year for regular checkups and routine cleanings because of cost. This indicates that insured people may lack adequate understanding about how dental benefits actually work because dental insurance usually covers preventive care, including exams, x-rays and standard cleanings without any out-of-pocket cost to the patient.
It is true that fear of the dentist-or "dental anxiety"-is one issue that prevents people from getting regular checkups. However, misconceptions about the cost of routine dental care is also a leading reason why so many people choose not to utilize the services available to them in their employee benefit package.
Employees facing higher deductibles on their MEDICAL plans may not realize that with over 90% of DENTAL plans, diagnostic and preventive treatment are fully covered without any out-of-pocket expense.
Some people worry that a dental visit will reveal a need for treatment. And that treatment may be more expensive than they would like. The truth is, any dental problem caught early during a routine exam is going to be far less expensive than one that is found during an emergency visit due to pain. Fillings that address early tooth decay are always less expensive than root canal therapies, crowns or implants.
If you have questions about your dental insurance and what it covers, consider this an open invitation to contact our office for answers.
Gifford Family Dentistry
1616 SW Sunset Blvd., Suite E
Portland, OR 97239