Dental Benefits, Benefits in getting dental insurance
Question: What are the real benefits in buying dental insurance? All the plans I seen have waiting period and dollar maximum limits so why pay a monthly cost where in the end you may only be getting out of it a few hundred dollars. And that is assuming you are using the plan up to the maximum benefits each time.
Answer: Well you are correct to a point, since you are only talking about one type of dental insurance plan. Seems to me you where reviewing PPO’s or Indemnity dental insurance plans. Those types of plans do tend to have the limitation you where talking about. Yet those types of plans also let you choose your own dentist even if they are not providers of the plan. This types of plans are designed for long term use and it not something one would buy per say for a short period of time.
Yet there are also HMO dental insurance plans which typically do not have any annul maximum limits or waiting periods. You will need to choose a plan provider but these would be your lower cost plans.
The type of dental insurance someone would get depends on their own dental needs and what they want out of a plan. But even a plan that as the limitations you are talking still does save you money. couple hundred dollars a year sounds like valid savings, and yes you are correct it will only save you money if you use it but the same can be said about anything you may buy. If you are not going to use it it can be a waste of money