As inflation increases, it’s a common reaction to start looking at what expenses could be eliminated from your budget in order to save money. While nearly all physicians would consider health insurance a necessary expense, what about dental insurance? Many people opt out of dental coverage, some perhaps viewing it as peripheral insurance, specific only to one part of the body. Plus, if you’re brushing and flossing regularly, what harm could there be in skipping a couple checkups and just bypassing the dentist for a year…or two…or three…?
The answer may surprise you.
The Price of Delayed Care
The truth is, lack of dental insurance can precipitate oral health neglect, which in turn can have a significant impact on your overall health–and your wallet. When you examine the cost of what is considered basic, routine care*, it’s easy to see why some may decide to delay their visits.
Without dental insurance, these costs quickly add up:
- Office Visit – up to $350
- Cleaning – up to $200
- X-rays – up to $250 or more
- Oral Exam – up to $150
- Amalgam Filling – up to $300
- Composite Filling – up to $450
- Porcelain Crown – up to $1,500
- Root Canal – up to $2,000
While avoiding the dentist may seem like easy savings up front, your health and your wallet may end up paying a high price in the long run. Periodontal disease and inflammation resulting from poor oral health can put you at a higher risk for certain cancers and trigger infections that can lead to heart disease, pneumonia or other devastating conditions. Delaying visits can also end up necessitating more expensive dental procedures that could possibly have been avoided by regular cleanings and checkups.
Put Your Money Where Your Mouth Is
Regular dental visits are vital to managing your overall health and your budget. It’s especially important when you have a family. Procrastination and paying completely out of pocket for services can exact a high price on your health and your hard earned savings. When you add it all up, dental insurance is a smart financial decision.
TMA Insurance Trust works with leading carriers to provide physicians and their families with dental plans that are designed to save money every step of the way. Get 100% coverage on in-network preventive care–including cleanings and oral exams. Your TMA membership also entitles you to valuable discounted rates for more comprehensive services. Even if you choose to go out of network, you will still enjoy discounted rates.
Let’s get you covered and help ensure your dental health doesn’t end up costing you more than it should. To find the dental plan that best fits your needs and your budget, call 1-800-880-8181, Monday through Friday, 7:30 am to 5:30 pm, CST, and speak to one of our knowledgeable advisors.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.