California Dental Insurance, Think Twice if a Dentist Says Not to Get Dental Insurance.
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. Therefore dental insurance will not help you with your dental care cost though them.
2) The dental office you went to is only a provider of PPO plans. If you do not have a current PPO dental insurance plan in place they know that getting one now may not work out the best for you if you need 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)
It is important to keep in mind that a dental office is still a business. If they fit into the reasons above, 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 buy dental 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 wish to stay with that dental office, then what they are saying could be correct in your current circumstances.
However even if that is the case and you are not wanting to change your dentist, the question that would remain is do you want to continue paying out of pocket for all your dental care needs? What if a year from now you still have larger dental issues that to be address. How much better off are you if you still do not have current dental insurance plan. 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 dental needs are but want your future dental needs may be.