Few of us think about group dental health insurance at any other time but when we finish our paperwork for a new job. We accept the charges taken out of our paychecks and we tend to forget about the coverage we are receiving. Even though dental coverage tends to be limited, having group dental health insurance can help make a difference in your life – especially in certain situations.
In an Accident?
While you will hopefully never get into an accident or become injured, chances are good that you will someday. In that instance, you need to have group dental health insurance to make sure your teeth can be repaired quickly and inexpensively. Though this damage may not be the most extensive of your injury, having your teeth in working order is going to come in handy as you recover. After all, you will need to eat in order to fuel your body for physical rehabilitation and other such therapies. Sometimes, you might also have an injury that directly impacts only your teeth – as in contact sports and other rough activities. And when this is the case, you need to seek medical attention to get things fixed. Stalling your treatment because you don’t have insurance can and will lead to infections and even more damage to your mouth and face.
Dental Filling Cracked or Missing?
Sometimes, you might simply be eating an apple or even brushing your teeth when a filling can become loose or cracked, causing you pain and a necessary trip to the dentist’s office. Without group dental health insurance, you might need to pay not only for the repair, but also for the emergency visit – which can become quite expensive. Though most of these types of problems don’t tend to be serious, delaying your treatment can result in damage to the shape of your teeth as well as additional rotting and decay. In rare cases, you might even have an abscess that will result in the need for antibiotics as well as a root canal to clear out the infection.
When Routine Charges Add Up
And there are the years where it seems like no matter what you do, your teeth still need to be checked out for some sort of problem. In those years, group health insurance can really pay off as you will normally hit a maximum payout for the year, allowing anything after this limit to be covered at 100%. While you don’t necessarily want this to happen, in the cases where you simply can’t keep your teeth healthy, this is an added bonus.
With group dental health insurance, you might still hate going to the dentist, but at least the bill won’t be nearly as upsetting as it could be. This type of insurance is a must in today’s days of rising dental and health care costs. Though many policies only cover certain procedures at 50% to 80%, you might have paid a lot more if you had to pay it out of your own pocket. Are you covered enough?
Contact Hodges & Company and them tailor a group benefits program to meet your needs, 1.866.993.9710.