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Is Dental Insurance the Best For You?

In today’s world everything is so expensive, especially healthcare. Dental care specifically can be very costly. It is a struggle to find good insurance that covers the majority of your bill. Most families think they immediately need to have insurance to cover these bills. Although they may be right, other solutions carry many more benefits, at a better cost too. Here at Maestri Family Dentistry in Lafayette, Louisiana we offer affordable plans that Dr. Maestri is encouraging her patients to partake in. It saves so much time and money, while still getting the oral treatment her patients need. This is known as the Loyalty Dental Plan. The Loyalty Dental Plan is a savings plan to restore traditional dental insurance, and in the end can come out to be even cheaper than regular insurance.

 

Why does this matter?

Families are always looking for cheaper ways to cover their health bills. The Loyalty Dental Plan at Masteri Family Dentistry can solve this problem. No one wants to pay more money when they don’t have to.

Ultimately, while insurance can be a valuable tool for managing risks and providing financial protection, it’s important not to rely solely on it as the be-all and end-all solution. It’s essential to consider the broader context of your financial situation, individual needs, and available resources when making decisions about insurance coverage and risk management strategies.

 

Why is Dental Insurance not always a good idea?

If a patient needed major surgeries or treatments, such as a root canal, chances are their insurance is not going to cover the cost, so how will the treatment be paid for? 

 

Advantages & Disadvantages of Dental Insurance:

Advantages

  • Financial protection: dental treatments can be expensive, especially major procedures like root canals, crowns, or dental implants; oral health insurance provides financial protection by covering all or a portion of the costs associated with preventive care, routine check-ups, and more extensive dental procedures, reducing the out-of-pocket expenses for policyholders.
  • Preventive care: many oral health insurance plans cover preventive services such as routine cleanings, check-ups, and X-rays at little to no cost to the policyholder; by promoting preventive care, dental insurance helps individuals maintain good oral health, preventing more serious dental issues down the line.

Disadvantages 

  • Control over network providers: the in-network providers will be dictated by your insurance plan. At Maestri Dentistry, we are not driven by production goals. We only advocate for what you need and do not oversell procedures. Other providers may not give you the same level of care and individualized attention. Don’t let an insurance policy force you to see a provider you don’t trust to do the same. 
  • Limited coverage: most dental insurance plans have coverage limitations, including annual maximums and waiting periods for certain procedures; this means that there may be restrictions on the amount of coverage available for certain treatments, which could result in out-of-pocket expenses for the policyholder.
  • High premiums: dental insurance premiums can be expensive, especially for comprehensive coverage plans; for individuals or families on tight budgets, the cost of dental insurance premiums may outweigh the benefits, especially if they don’t require frequent dental care or anticipate needing major dental procedures.
  • Deductibles & Copayments: Like other types of insurance, dental insurance often requires policyholders to pay deductibles and copayments for certain services. These out-of-pocket costs can add up, particularly for more extensive dental procedures, and may still leave the policyholder with significant expenses.
  • No guarantee of savings: despite paying premiums for dental insurance, there’s no guarantee that policyholders will save money overall, especially if they don’t require frequent dental care or if the cost of premiums exceeds the benefits received.
  • Complexity & Confusion: understanding the terms, conditions, and coverage limitations of dental insurance plans can be complex and confusing for many consumers. This can make it difficult to accurately assess the value of the insurance and navigate the claims process effectively.

As presented, there are many more disadvantages to dental insurance than advantages. These are all disadvantages that the Loyalty Dental Plan helps fix and includes all the advantages insurance does cover plus more! Overall, while dental insurance can provide financial protection and access to dental care for many individuals, it’s essential to carefully consider the potential drawbacks and assess whether the coverage aligns with your needs and budget.

 

In Conclusion

When it comes to dental health care, there are many factors that go into the cost of it. Insurance is not always the right answer. A plan like the Loyalty Dental Plan offered at Maestri family dentistry holds special benefits such as flexibility, no co-pays, no waiting periods, simplified process, and no pre existing condition limitations. The Loyalty Dental Plan is a savings plan to restore traditional dental insurance, and in the end can come out to be even cheaper than regular insurance. If you’re looking for a new family dental practice in the Acadiana area, call us today!

 

Sources:

https://www.steelydds.com/beautiful-smile/truth-dental-insurance-2/

https://www.steelydds.com/beautiful-smile/truth-dental-insurance-2/

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