Should I Buy Dental Insurance?

Review an individual dental policy carefully to see if it is worthwhile for you. Keep in mind that dental problems don't suddenly occur like medical problems can. People usually know if they need dental work or not, so companies that sell dental insurance are careful to design their product so that they will make a profit. Like other insurance, their goal is for you to pay more in premiums than you use in claims.

Before you buy dental coverage, consider these factors:

• What is the current condition of your teeth?
  • Do you have lots of problems that need to be taken care of?
  • Would they be covered?
• Historically, do you have lots of dental problems or are you one of those people who rarely or never has a cavity or other dental problems?
• Is your health condition likely to impact your dental health?
• What dentists can you use under the policy? If choice of dentists is limited:
  • Is your dentist one of the people you can use?
  • Do you care if you have to use a new dentist?
• Will it save you money to have dental insurance? The following chart will help in estimating your future expenditures for dental care.

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