4 Disadvantages of a Private Dental Insurance

Private dental insurance can provide you with some benefits, but there are definitely some drawbacks that you want to know about as well. Here are some of the disadvantages of using private dental insurance.

1. Cost

Perhaps the biggest disadvantage associated with private dental insurance is the cost. Whenever you compare private dental insurance to dental insurance through a group plan, the former is going to be much more expensive. It is not uncommon to have to pay over $150 per month for a family private dental plan. Many individuals cannot afford this when combined with what they have to pay for health insurance and other expenses. This makes private dental insurance unaffordable for the vast majority of individuals.

2. Availability of Best Dentists

Many individuals like to choose their own dentists. They may have been going to certain dentists for several years and appreciating the way that they do business. If you purchase a private dental insurance plan, you may not be able to choose the dentist whom you want to visit. Many times, the best dentists are not included on private dental insurance plans. This means that you might find yourself going to a dentist whom you know nothing about and with whom you do not feel comfortable. When you are looking for the best treatment, sometimes this is not going to be easy to find with a private dental insurance plan.

3. Preexisting Conditions

Another big problem with many private dental insurance plans is that they do not allow coverage on preexisting conditions. This means that if you have some type of a preexisting dental condition, you will not be able to get coverage for this issue when you purchase a new insurance policy. Because of this, many people stick with insurance plans that they do not like or cannot afford. Other individuals choose not to purchase private dental insurance again because they know that their preexisting condition would not be covered anyway. This leads to individuals' putting off treatment and experiencing severe pain. It also leads to the accumulation of large dental bills that individuals cannot afford to pay.

4. Coverage Gaps

Another problem with many private dental insurance plans is that they have significant coverage gaps associated with them. Many of these plans do not have any type of coverage for certain conditions that you might experience. For example, your plan might cover basic cleaning and procedures such as getting a filling. However, if you need a root canal or some other expensive procedure, you might not be able to get coverage through your insurance plan. If you wanted to purchase a plan that has coverage for everything that you might need, there is a good chance that you would not be able to afford the coverage anyway. Because of this, many people believe that private dental insurance is ineffective at best.

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