According to netquote.com, an online insurance quote marketplace, 40 percent of Americans between 21 and 64 do not have dental insurance. The percentage is even higher for senior citizens; statistics show that 70 percent of those 65 and over do not have coverage. Obviously, this can be a problem for those who have to resolve a dental emergency. So why don’t more people have dental insurance, and how expensive is the average policy? In this article, we will be exploring the cost of some dental procedure without insurance, the consequences of leaving dental problems untreated, and financing options for those who need them.
HOW MUCH DOES DENTAL INSURANCE COST?
When it comes to dental insurance, premium prices can vary from person to person. For example, those who receive coverage through an employer will benefit from discounted rates. Also, there is a noticeable difference between comprehensive and general coverage. Having said that, the national average for dental insurance for one person is $360 per year. For many people, this may seem like a good price considering that you’re covered for the year, but for those with limited resources or living on a fixed income, the cost of dental insurance may be more than they can comfortably afford.
TREATING A DENTAL EMERGENCY WITHOUT INSURANCE
Not resolving dental emergencies quickly is the single worst thing that you can do when it comes to oral health. As far as costs are concerned, x-ray and exams are competitively priced, which means that emergency care is no more expensive than a regular visit. Neglecting a dental problem, however, can result in the need for more complex treatments, higher costs, and increased pain. For most dental emergencies, you typically have the option of getting a filling or having the affected tooth extracted. Both of these options are relatively inexpensive; however, if your goal is to preserve the tooth, you will be looking at higher dental costs. Ideally, you will want to discuss which option will be best for you based on your budget and condition of your teeth.
CAN DENTAL WORK BE FINANCED?
Obviously, if you have a tooth extracted, you confronted with new problems. The surrounding teeth may begin to shift, which can interfere with force distribution, meaning you’ll experience more difficult when it comes to biting and chewing food. To resolve this problem, your dentist may recommend implants or a dental bridge; however, the cost for either of these appliances is high. Fortunately, many dental practices offer financing options that can help make these costs more manageable. Also, consider looking into healthcare installment loans as many will have interest rates that are not only competitive but also lower than most credit cards. All in all, there are a variety of options available to help you resolve a dental emergency with or without dental insurance.