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Stop and Think Twice if a Dentist Says Not to Get Dental Insurance.

10/02/17 7:04 AM

Fact: Dental insurance will reduce your dental care cost at the dentist. So why is it that some dentist will advise their patient not to buy dental insurance. Stating it is not worth the cost. Normally there is three reasons for this:

1) The dental office you went to is not a provider of any dental insurance plans and therefore they feel you getting insurance will not help you any in having your dental work though them.

2) The dental office you went to is only a provider of PPO plans. Therefore if you do not have a current PPO plan in place they know that getting one now may not work out the best for you if you are having more the preventive dental care services. (This is because most PPO plans will have long term waiting periods for both basic and major dental care)

3) Because of one and two. A dental office is still a business. They more then likely not going to advise you to buy a dental HMO plan (that normally does not have waiting periods and are lower cost dental insurance plans) when they are not a provider of any. It not like the want to refer a plan that will take away business from them. This is not say that it is 100 percent wrong for a dental office to advise their patient not to get insurance if they do not already have some. After all if you put off getting dental insurance until you have larger dental needs and you want to stay with that office the fact is what they are saying could be correct in your current state.

However even if that is true and you are not wanting to change dentist. The question would remain is, is paying full cost for your dental services really want you want to do? What if a year from now you still need larger dental issues to be address. How much better off are your really when you still do not have current dental insurance. Therefore if you have a dentist you wish to continue to see think about getting a dental PPO or Indemnity plan that will let you stay with your current dentist. Even with the waiting periods it is important to think of not only want your current needs are but want your future dental needs may be.

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Posted on 10/02/17 7:04 AM | by California Dental | in California Dental Insurance | No Comments »

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