Is Dental Insurance Worth the Cost?

Posted by Mrs Money on June 2nd, 2014

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A few years ago I considered going without dental insurance. At the time, I was working at the bank and the premium was deducted from my paycheck so it wasn’t a big deal and I continued to buy the dental insurance. I took advantage of the two free cleanings a year to maximize my money’s worth and keep my teeth in good working order. I like my teeth and don’t want to have to get new ones.

Two weeks ago I decided to go to visit a different dentist to get a second opinion on my broken crown. Our first dentist said when it broke (over a year and a half ago) that I didn’t need to get it replaced unless it was causing me problems. I was excited because who wants to get dental work done unless they absolutely have to? Plus, that would give me enough time to save up the money to pay for it. At the time we didn’t have dental insurance because it hadn’t kicked in at Mr. Money’s new job.

The new dentist discovered that the old dentist left silver amalgam in my fillings when she replaced them with the white fillings. She explained that the white filling wouldn’t adhere properly to the silver and it would cause problems/be loose. This resulted in me having to get three fillings replaced on one side and two on the other side. I was so frustrated because I hadn’t planned on having ANY fillings replaced and here I was having to make numerous trips to the dentist and endure the pain of having the work done. I do NOT like getting dental work done.

Now I’m at the point where I am going back to get my crown worked on and after that’s done, I should be in good shape. I’ll get a temporary crown put on, she will order my new one, and once that is on it should be good for years! I’m crossing my fingers.  I also have gone for a cleaning and I took Penny in with me so she can get used to the dentist.

I’m thankful now that we have dental insurance. I haven’t received a bill or quote from the dentist but our insurance covers half of fillings and crowns so I know it’s not going to be cheap, but it will be a heck of a lot better than if I didn’t have any insurance.

The dentist is a family friend so I know she’s doing a good job and it feels good to know that I’m getting things taken care of now so they don’t cause problems later. I do not like visiting the dentist but I figure if I don’t take care of everything now I could be looking at a lot more time, money, and pain in the future! No thank you. Dental issues are not fun to deal with but once they are done, it’s a weight off!

Do you have dental insurance? Do you visit your dentist every six months for a cleaning and check up?

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