If you do not receive dental insurance though your employer, it often not thought about.  However, having dental insurance will help make dental care more affordable.   Yet why should you buy dental insurance, when the fact is if all you are having are basic dental cleanings you may feel like the cost of dental insurance would excess the cost of the dental services.

However what happen when you need more then just a basic cleaning?  What if you brake a tooth or dental decay goes untreated and causes large dental services to be needed.  That when you will be wishing you had some dental insurance in place.  Many of the dental insurance plans that let you pick and choose your own dentist also come with long waiting periods.  Which makes buying those types of dental insurance plans important to do so before you required larger dental care.

In addition people that do not have dental insurance tend to put off their dental care.  In turn requiring larger dental services do to defer treatment, making their dental care cost go up even more.    People that have dental insurance tend to see their dentist for the twice a year check ups and cleaning since in many cases this is a free service under their insurance plan. In addition since these people are seeing a dentist regularly they are also able to avoid having larger dental care needs there by saving money on their overall dental health care cost.  So the real question is why are you not buying dental insurance?