Family Dental Insurance Plans « Health Insurance Advisory

Family Dental Insurance Plans

Author: Administrator | Mar 19 2011 | fam-med-ins, Family Dental Insurance

A family dental insurance plan will help promote your overall health and wellness, and protect your pocketbook. The uninsured tend to visit a dentist only when they have a serious dental problem. This often results in health issues and expensive dental treatment down the road.

According to the American Dental Hygienists’ Association, oral health is a critical component of total health. Recent research has linked periodontal disease to heart and lung disease, diabetes, low-birth weight babies, and a number of other systemic diseases. Dental caries (decay) is the most common chronic disease nationally affecting 53% of 6-8 years olds and 84% of 17 year olds. Fortunately, caries is preventable through the use of fluoride and dental sealants and is less than half the cost of one silver filing.

Serious oral health problems also occur among adults too. Each year about 30,000 Americans are diagnosed with oral and pharyngeal (throat) cancers, and more than 8,000 people die of these diseases.

As the cost of dental care increased over the years, dental insurance has gained in popularity. Many employers offer some form of group dental insurance today. However, it is estimated that only 62% of employers actually offer full coverage dental insurance.

Cost of restorative treatment more expensive than preventive care

Average Cost of Common Dental Procedures Min. Cost Max. Cost
Exam & Cleaning $86 $110
Complete X-Ray Series $123 $171
Filling $119 $181
Root Canal $1,315 $2,351
Crown $1,144 $1,443

The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that $1 spent for prevention saves from $8 to $50 in restorative care.

Good oral hygiene can prevent disease

The early detection and treatment of oral disease is critical to saving lives. During oral health examinations, dental hygienists can detect signs of many diseases and conditions like HIV, oral cancer, eating disorders, substance abuse, osteoporosis, and diabetes. In addition, dental hygienists can work with patients to develop oral health care treatment plans that manage oral infection so it does not exacerbate serious diseases.

Family dental insurance plans- covered services

Most family dental insurance plans typically pay some or all of the cost of the following dental services:

1. Preventive: cleaning, exams, sealants and fluoride treatment

2. Diagnostic: bitewing x-rays and full mouth x-rays

3. Basic: fillings, simple extractions and repairs

4. Major: oral surgery, periodontics (treatment of diseases affecting the gums and supporting structures), prosthodontics (replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices) and endodontics (treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals)

5. Orthodontia: correcting irregularities of the teeth by the use of braces or other devices (usually, orthodontia is an optional benefit under most family dental insurance plans and services are covered for juveniles only).

Common reasons for purchasing full coverage family dental insurance

A family dental insurance plan can benefit you in many ways, including:

1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services, is simply not affordable.

2. Maintain a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help promote overall health. That is why most dental insurance pays 100% for routine exams and cleanings every six months.

3. Prevention for children – from fluoride treatment to sealants and braces, children can benefit significantly from regular professional dental care. Dental insurance can help make the cost of preventive care more affordable, even orthodontia.

Our online dental insurance quotes allow you to quickly and easily find an affordable family dental plan. You can even enroll online too!

Since dental insurance rates are regulated, the dental insurance premium you pay for your family is the same as buying direct from the health insurer. At, you have total peace of mind knowing that you are paying the best possible price.

Save money on other forms of health insurance

We can also help you save money on other forms health insurance too, including family medical insuranceshort term medical insurance and critical illness protection.

If you are paying out of pocket for prescription drugs, then learn more about how a prescription drug card can help make medications more affordable.

Perhaps you and the family are planning a vacation outside the United State?  Did you know that most medical insurance plans pay limited or no benefits for healthcare rendered outside the United States? Learn how an inexpensive medical insurance overseas policy can help protect your family and provide greater peace of mind when traveling abroad.

As a thank you for visiting us, download your free health discount plan. Do not pay retail again. It provides significant discounts on prescription drugs, dental care and vision expenses for the entire family. Get your health discount card now for each family member!

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