How Much Does Dental Insurance Cost?

Here’s some dental news: it might be less than you’d expect.

It’s true that the cost of dental insurance does vary depending on your provider and your benefit level. However, most dental plans work in similar ways. You receive a set benefit amount for each dental service. The difference lies in how much specific dental plan will pay for each service.

To get a more accurate idea of how much dental insurance costs, consider how much you will use your dental plan in a year. For example, if you typically go to the dentist twice a year and receive $100 in cash benefits per cleaning, then, at the bare minimum, the true cost of your dental insurance would be $0. Yes, by $0 we mean zero. Translation: you break even. This is how we figure: If your monthly dental insurance premium costs $15, then you will pay $180 annually. If you receive $200 in cash benefits by getting your teeth cleaned, then you actually make a little money out of the deal.

Then let’s factor in a cavity or any other dental work you may need. The exact cash benefits you receive will depend on your dental plans’ benefit level. But because you already broke even when you had your teeth cleaned, every additional service you may need lowers the overall cost of your dental insurance.

That’s the beauty of choosing dental plans with low monthly premiums and hefty cash benefits. At the end of the year, it doesn’t cost you any money at all. You made your initial investment back with the checks you receive in the mail for your cash benefits. Now that’s some important dental news to know!

Still curious about the true cost of dental insurance? Learn more about dental plans and request a quote now. We’ll answer all of your questions, and even help you understand the latest dental insurance news.