Why dental insurance?

You wouldn’t drive a car without car insurance. You can’t purchase a home without home insurance. Why wouldn’t you protect your oral and overall health with dental insurance? People with dental benefits are more likely to go to the dentist, receive preventive care, and experience better overall health.

Why have dental insurance?

Ninety-two percent of Americans believe oral health is very or extremely important to their overall health, according to a research survey by Delta Dental. However, only about 60 percent of Americans have dental insurance.

Dental insurance not only helps maintain good oral health, but it can also save money over time.  Here’s how preventive dental care, good oral health, and dental insurance go together:

It makes dental care more affordable

While it’s important to brush and floss, regular visits to the dentist are also necessary. Because dental insurance focuses on prevention, services like exams, cleanings, and x-rays are usually fully covered. Preventive exams help reduce the risk of more serious and costly problems down the line.

Additionally, dental insurance helps reduce out-of-pocket costs for many procedures by reducing the amount that you pay. Without dental insurance, you would be responsible for the full cost of treatment.

Delta Dental helps you save even more because we negotiate lower fees with our in-network dentists. With 96% of South Dakota dentists participating in our network, we make it easy for you to find the dentist that works best for you.

It saves money

Here’s an example of how dental insurance can help keep you healthy and save you money at the same time.  This example for a family of four shows each person visiting the dentist twice for preventive care and getting a cavity filled.

*Plan premium and dental service fees are for illustrative purposes only. Premium rates depend on your plan. ** Check your specific plan details, as preventive coverage may vary.

You’re more likely to get the care you need

People with dental insurance are more likely to visit the dentist compared to those without it. People who develop complicated oral health problems are more likely to skip necessary treatments due to cost if they don’t have dental insurance. Untreated and often preventable oral diseases result in an estimated 2 million emergency room visits nationwide each year.

You’re more likely to avoid future dental problems

Regular preventive checkups help your dentist detect problems early. This can help you avoid costly and complex procedures, like crowns and root canals, down the road.

It’s good for your overall health

Dental care is good for your smile, and it has a positive effect on your overall health. Studies show that oral health conditions like gum disease are linked with many chronic health conditions like diabetes, heart disease, stroke, kidney disease, and pregnancy complications. 

During an oral exam, your dentist can potentially detect signs of serious medical conditions, including oral cancer. This can lead to earlier, less costly, and even life-saving treatment.

When oral diseases go untreated, they can lead to problems with eating, speaking, learning, and productivity for children and adults.

It’s good for your well-being

Your oral health affects your day-to-day sense of well-being. It’s common for people to report they felt embarrassed or uncomfortable about their appearance because of a dental issue.

A smile is not only important for your self-esteem and confidence, but the simple act of smiling has many benefits. Evidence has shown smiling has a positive effect on overall happiness and can even boost your immunity.

A smile affects every aspect of your life in a positive way. It will also impact the world around you in a positive way. A healthy smile is a gift that keeps on giving, to you, your body, and those around you.

*Updated November 2022