Dental Insurance Plans: Are the Benefits Worth the Cost?

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Although dental health plays a critical role in maintaining good general health, many who desperately need professional dental care don’t have dental insurance plans. The National Association of Dental Plans reports that just over 126 million Americans don’t have any type of dental coverage—that’s three times more than the number of people without standard health insurance. Because of steep out-of-pocket treatment costs, many Americans simply ignore dental problems instead of seeking care.

Dental Insurance Trends Over the Years

In 1995, the Behavioral Risk Factor Surveillance System survey, conducted by the Centers for Disease Control, found that 44 percent of participants reported having no dental insurance coverage. By 2012, the number of uninsured Americans only had dropped to 42 percent.

Since the late 2000s, the insurance industry has suffered due to rising healthcare costs, economic weakening, and reluctance of employers to provide dental insurance plans for employees. Under recently instituted healthcare reform laws, children and adults are not required to purchase dental insurance, but some states offer bundled or separate dental plans through the Health Insurance Marketplace. Currently, 97 percent of dental benefits are provided through separate dental coverage policies that offer comprehensive preventative care benefits, but only partially cover major treatment expenses.

Dental Care Options for the Uninsured

If you cannot obtain coverage through your employer, the private market, or subsidized plans, finding affordable dental care can be a challenge—but there are options. As the number of people who are unable to afford routine dental visits has increased, so has the number of dentists. This is good news for patients who are without dental insurance, because dentists are working harder to find ways to make their services more affordable. Most dentists today offer or accept savings plans, and many are now offering new-patient specials that include free first visits and discounted treatments. Some dentists even offer in-house or third-party financing with reasonable payment plans.

Although the cost of routine dental care can be expensive, it is essential to visit the dentist every six months. Remember, preventative care is much more affordable than putting off dental problems until they require treatment.

To get the dental care you deserve from an affordable dentist in South Bend, call The Dental Center of Indiana today at (855) 979-3358 or make an appointment.

The Dental Center offers affordable family dentistry and gentle, compassionate dental care in South Bend. With 5 affiliated practices throughout Indiana, our offices are conveniently located with extended hours to meet your needs. At The Dental Center of Indiana, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at The Dental Center of Indiana.

Read What Our Patients Say
Patient Reviews
Everyone in the office is very personable!! Everyone smiled and talked with such ease and with a caring nature. The dentist was honest and gave me options for care. My appointment was at 9:15 and […]
Liliana G.
the dentist keizer i believe was his name who has taken over all my dental work since i was about 20 has been amazing. super friendly, explains things so i fully understand, and even goes above and […]
Alyssa W.
Caring , fun and goofy doctors . Experience overall was great
Andrea G.
Quality of care. Reasonable charges.
John P.
Professional and personal. Facility is top notch.
Chad R.
They are good to deal with and treat you with respect and make you feel at ease
Maury B.
Genesis got a filling and she was very comfortable and content and I was nervous for her but I was made feel at ease.
Genesis H.
If you need a dentist and are scared due to past experiences don’t worry, go to the dental center of Mishawaka and not only will your teeth look good and will show them off with a smile but […]
George K.
You are patient, calm, friendly, and encouraging. I appreciate you explaining things to my kids on their level so they understand! You’ve definitely helped my fear of the dentist!
Samuel W.
Very Nice People!! Fast and effective!!
Sean L.
I love going to see Brooke Henry. She always does a great job on my cleanings and always super friendly!
Angela L.
My son was going to a different dental office, smaller dental peds, only two dentist in the practice. however due to being without insurance for 10 months . This is the location that I needed to […]
Anthony G.
Excellent service
Larisa M.
Any doctor/dentist visit can be stressful but it’s anything but that at The Dental Center. You all have made my visits very pleasant.
George K.
I have been going to the Dental Center for years. I love that they hygientist are all friendly and quick. At my last appointment I had to bring my son who has special needs. The hygientist, Terry, […]
Dawn V.
Well priced and great service,I have been going to a local place in town and he was almost three times the price. You guys were very well priced and Dr. C was great….
Rick H.
So far the customer service is excellent. The dentist was professional. Scheduling an appointment was easy.
Kelsey B.
Every thing went smoothly and (my teeth) had improved from the last time I was there. Can’t ask for more…..
Frances W.
Nobody LIKES going to the dentist. But if you have to go to the dentist, this is where you ought to go.
Scott S.
The hygienist was extremely patient
Ellayna P.
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