Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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You should buy dental insurance to help manage the cost of routine cleanings, exams and certain procedures. Parents of young children are likely to find that dental insurance saves them a lot of money, but so can most everyone else.

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Procedures such as cavity fillings, braces and cleanings are of paramount importance to children. Emergency dental care problems can spring up at any time for children. If you have been a parent for a few years now, you well know that kids eat a lot of sugar, play dangerously and generally breeze through life without restraint.

Children require immediate care constantly and it always seems as if you need to spend money right when your cash flow is tapped. Without dental insurance, you may have to contend with a big blow to your savings. This is not even taking into consideration dental expenses for you and your spouse.

How Does Dental Insurance Work?

First, see if a policy is offered through your place of employment, as group plans can sometimes save you money. If your job does not offer it, or if you are self-employed, then you will have to look into privately-owned dental insurance. This can be tricky, as you need to make sure the coverage matches your dental needs. Too much insurance can be bad, but finding out too late that you don’t have enough coverage is worse.

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Get a good understanding of just how the dental system works before making a decision. If you already have a family dentist that you know and trust, then you will need to find out what plans they accept. You can go with any plan and use a doctor from a preferred network, or simply pay an out-of-network provider fee. Dental discount plans are not insurance, but another alternative.

You don’t even have to have insurance if you can afford to pay a dentist’s expenses out of pocket. Nevertheless, if your dentist is in the provider’s network already, you will save a good deal of money and headaches.

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How much does dental work and dental insurance cost?

If you do not already have a dentist, that makes it even easier on you. Pick an inexpensive plan that covers your needs and look through the provided list of dentists in their network. This too will save you a good deal of out of pocket expenses. However, you may want to research various dentist names, and read reviews of their work before signing any dotted lines.

What is the cost like for dental insurance? Many factors play into the price you will pay in premiums. Choosing an in-network dentist, as well as the state you live in, and what plan you choose will all affect the premium cost. An average premium averages $50 a month, but various factors can make this number increase.

If you are doing the math, you will figure out that is about $600 dollars a year! Hold the phone, you might be thinking. Yes, that is a lot of money but think about the average price of dental work.

  • A filling can cost you roughly $200 dollars a tooth
  • X-rays can cost you well over $100
  • One emergency crown can cost you close to $2,000 dollars
  • Office visit may cost upwards of $100 dollars

Now that $600 for $2,600 worth of work suddenly seems like a steal.

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Can I wait to buy coverage?

If you are thinking you can outsmart the insurance companies by simply picking up the insurance when a dental emergency arises, you will be in for a toothache of a surprise. Most policies only start to cover emergency work after a 12-month probationary period. This is to stop people picking dental insurance up for emergencies and dropping it right after the bill is paid.

Insurance companies must do this or else they would go out of business. If you think you can wait out the 12 months and then get the work done, well then you have never had any serious teeth problems yet! When you need a cavity filled, it needs filled now!

Your mother always said, “an ounce of prevention is worth a pound of cure.” You have also probably heard “better safe than sorry”. Why not call a provider in your area today, or simply go online, and comparison shop for the best deals in your hometown? You can even use a web chaser tool, which brings several comparisons straight to your screen!

Enter your zip code to compare multiple dental insurance quotes now!