Once you’ve done the math, the money that you pay into your dental insurance policy each year is about as much as what it would take to pay for your six-month preventative care appointments, plus a little more. If you’re not one to usually have many dental problems, it may actually be more cost effective to pay out of pocket than it is to enroll in a dental insurance plan.
Insurance allowable amounts usually cap out at around $1,500 per year. Surprisingly, this amount has not changed in over four decades. While medical insurance coverage has adjusted with the cost of inflation, dental policies have not. That means you’re getting the same about of coverage as a family did in the 1970s…so when you need extensive restorative or rehabilitative care, practically no one will be able to say their insurance covers everything.