As a Texas dental insurance agent I often have people ask if this is insurance worth getting. My answer is that it is an excellent value for someone that will make good use of it.

Most dentists will tell you that the most important things for dental health are frequent brushing and flossing plus regular checkups and cleaning. In most cases two visits a year are the suggested minimum. Unfortunately some people neglect the routine visits and will only go to the dentist when extreme pain drives them there! By then there is often a serious problem that will be expensive. There is some research that poor dental health can lead to other health issues. The “wait for pain for dental visits” is really not a good plan!

For those that are willing to do regular visits a dental plan is a great value. Plan savings for 2 semi-annual check-ups with x-rays and cleaning will normally more than cover the monthly plan costs. (It is also easier to pay a small monthly payment than a larger lump sum for service.) When you need other things like fillings, extractions, gum treatments, and crowns, the savings will add up.

If you can get dental coverage from your employer, that is usually the best value. If your employer doesn’t offer dental insurance there are several good plans available. The cost for an individual is usually around $20, depending on the coverage provided. One good choice is the Unicare plan. Texas residents can get a quote and sign up at my Texas Unicare insurance site. (Authorized independent agent) You can also call my Houston office at 281-537-2700 for more information.