How much does it cost? That is often the first question consumers ask when making a purchase that can range from affordable to moderately expensive. The answer, however, is not always measured in dollars and cents. The fine print, hidden costs and long-term value are part of the real price of any health coverage, including dental insurance.
Dental health is more than 32 white, ecru or mother-of-pearl-colored teeth. It also is more than a twice-a-year cleaning and checking for cavities and plaque. The health of your teeth and gums can often provide early clues to health conditions developing elsewhere in your body.
“When people are choosing a dental plan, I encourage them to look beyond the monthly premium,” said Dr. Traci Dantzler, manager of Utilization Review at Delta Dental of Michigan, Ohio and Indiana. “I recommend that patients compare which preventive services are covered, whether their current dentist is in-network, what major procedures are included, and what your out-of-pocket costs could be. The right plan isn’t always the cheapest one – it’s the one that helps you maintain your health and avoid larger expenses later.”
Diabetes is prevalent in the African American community and can increase the risk of heart disease and stroke. Most people recognize common symptoms of diabetes, such as excessive thirst, frequent urination, unexplained weight loss, tingling in the fingers and toes, and fatigue. But other ailments can also show up in your mouth.
Diabetes *
Research shows a strong connection between periodontal (gum) disease and diabetes. People with diabetes are more likely to develop gum disease and often experience a more advanced stage of the condition than people without diabetes, according to the Delta Dental Plans Association.
Arthritis *
People living with rheumatoid arthritis may have a higher risk of developing gum disease.
Stroke *
Research has shown that people with severe gum disease are at a greater risk of stroke.
Increased Tooth Decay *
Many patients take medications that cause dry mouth, increasing the risk of tooth decay.
The cost of dental coverage can be relatively inexpensive, but the cost of not taking care of your teeth, mouth and gums can be much more expensive to your health. When deciding which plan is right for you, weigh the full picture — not just the sticker price. If you have questions, talk with your dentist to determine which coverage best fits your needs—and what could be too costly to go without.
*All statistics are from Delta Dental.
