Years ago, when I was younger and more care free, I didn’t worry so much about things like dental insurance. I took care of my teeth as best I could to avoid going to the dentist, so I didn’t need insurance or so I thought. I found out later how wrong I was when I started raising my family and making regular visits to the dentist again. My teeth were a mess, and I found out just how much periodonal issues could have affected my overall health. My financial circumstances have changed some in the past few years, and my employer sponsored healthcare has changed to disallow dental insurance, but I won’t go without it again. I make sure I have the coverage to take care of my teeth.
Optional Dental Coverage helps pay for checkups and treatments to not only keep your teeth healthy, but you healthy as well. When your mouth isn’t health, the rest of you may not be either. Something I learned through my own personal choices was that when my teeth and gums were not healthy, neither was I. When I visit my dentist for a check-up every six months, I get more than just a cleaning, I get a well-check and peace of mind. Studies have shown there is a link between gum disease and the potential for heart attack, stroke and diabetes, so keeping my mouth healthy also keeps me healthy.
Without dental insurance a visit to the dentist for cleaning can be costly but so can avoiding the dentist because of it. The annual x-rays, cleaning, adult fluoride by themselves can be pricey, and any prophylaxis or dentures can be devastating to your budget. Optional Dental Coverage allows you to plan your coverage according to your needs. You choose the level of benefit you want, from Basic, Intermediate or Plus. The coverages for each level vary accordingly, and if you’re anticipating needing major treatment, the higher level Plus may be your best option.
Whatever your dental needs, speaking with an AC Financial adviser before making a decision is always the best place to start. Call 800-564-3196 to get all of your questions answered.
