Dental work can be expensive in Lakewood, CO, so dental insurance can make sense for you as long as you understand what is being covered. This allows you to still see the dentist you prefer.
Many people don’t think insurance is worth it because you don’t come out ahead, and dental insurance is not a type of insurance that you are required to have, but there are a number of benefits.
Dental insurance emphasizes prevention, so typically two exams a year, x-rays cleanings and fluoride treatments are covered. This helps increase the chances that those with insurance will actually visit the dentist. Preventative care saves a lot of money in the long run. For those that need treatments, such as fillings, root canals and crowns, you won’t have to dig into your savings account and you’ll pay a lot less for any treatment that is needed. As adults get older, they may need more work on their teeth, which makes dental insurance worth the cost.
There are different types of dental insurance plans, and the best way to find one that works for your situation is by speaking with an agent at Colling Insurance Services Inc. An agent can help you decide if a PPO or HMO plan is better for you. HMO plans usually restrict coverage to dentists within a limited network. PPO plans allow patients to see dentists that are outside the network, but are charged much lower rates if they see a dentist that is within the preferred network. There are some waiting periods with dental insurance, so it’s important to get insurance before you need a cavity filled or some other dental work. You aren’t able to sign up for insurance just when you have an emergency.
Contact an agent at Colling Insurance Services Inc. serving Lakewood, CO to discuss dental insurance options.