You may feel like your family is the only one that doesn’t have dental insurance when you visit a family dentist in Oklahoma City, but you are not. It is estimated that nearly 132 million people go without dental insurance in the United States. There are numerous reasons why this occurs, but most of the time it is because of the cost associated with dental insurance.
Since dental insurance is charged separately from health insurance plans that employers offer, many people opt out of this insurance. They choose not to put money towards a plan because they may not see the dentist as a necessary component of their overall well-being like visiting a medical doctor is. What happens is that a dental emergency will arise and these individuals will be stuck paying for the procedures out of their own pockets. This could equal thousands of dollars.
Dental plans also have unrealistic restrictions that can turn families away from purchasing an insurance policy. These restrictions include outrageous deductibles that make having insurance pointless, lack of decent coverage, and a miniscule network of doctors that is covered by the dental insurance provider. They may also have unreasonable annual limits, especially if you have a child needing orthodontic care.
However, families who have dental insurance tend to visit the dentist most often. These are the families who find that their oral healthcare needs are met on a consistent basis. If you cannot afford dental insurance or your company does not offer this insurance company, it is important to determine a way to fit dental care into your budget and lifestyle. There are family plans available online that can cover your family for pennies a day that could work well if you are on a tight budget.
You may also want to consider talking to a family dentist in Oklahoma City to inquire about their office specials. Dental professionals work with insurance companies on a daily basis and they know how hard it can be to meet deductibles and other restrictions. Frequently, dental offices will offer new clients free or discounted services. These same offices may even be willing to work with you on a reasonable payment plan if you cannot afford the discounted services. Although having dental insurance is ideal, if you are without, working closely with your dental provider is the next best solution.