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Should I Buy Dental Insurance?

Dental Cost Comparison Chart

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The following chart works best for healthy mouths. If you have a lot of dental work to be done and the Dental plan will cover all or most of it, or you have young children who may need dental work because of sports or other activities, then the insurance is likely worthwhile and there is no need to take even the few moments to complete this chart.

If the premiums for dental are about the same as the amount you can expect to pay for regular dental maintenance, then dental insurance is worth purchasing since other dental problems could develop. If the premium is substantially higher than paying for maintenance yourself, then you need to determine whether your health is such that the potential for additional dental expenses make the higher cost of the insurance worthwhile.

Until this chart is programmed, print this page and follow the instructions: (Donations to program this chart and expand our content are welcome)



Teeth cleanings per year ($______ x 2 or sometimes 4)





X-rays per year (assume one full mouth per year)





Other expected dental expenses per year





Total out-of-pocket dental costs without insurance



Total premiums per year (monthly cost x 12)




Out-of-pocket cost of cleanings per year with insurance




Out-of-pocket cost of X-Rays per year with insurance




Other out-of-pocket costs per year with insurance




Total # 5+6+7+8=   




Difference between #4 and #9

If #10 is a negative number, then dental insurance may not be of much financial benefit to you. If it is a positive number, the larger it is, the more benefit you will receive from having dental insurance. NOTE: Keep in mind that dental insurance also covers unexpected dental expenses.




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