A student with multiple faceted teeth, gum disease or damaged teeth may end up spending a lot of money in the dental office compared to a student who only needs basic dental services such as cleanings and routine check-ups. As a student, you may be able to continue to have dental coverage under your parents’ insurance plan.
Having your own dental insurance, can it be convenient for you? Students interested in having autonomy with respect to their parents may wish to have their own dental insurance, but student dental insurance does not always cover the same as a family plan.
While most universities currently require health insurance for students, student insurance plans do not usually offer dental coverage. The additional dental insurance will cost you extra money. Although it represents one more expense, its cost may end up being lower than what you should pay out of pocket when you do not have insurance. As a student, you want to save as much money as possible for your classes and your food expenses. Do not invest money from your pocket in dental work that your insurance can cover.
What does a dental insurance cover for students?
What dental insurance covers will depend on the type of policy you decide to buy. Basic dental insurance policies typically cover common dental procedures, which include exams, x-rays, cleanings, cures, root canals, and preventive care such as sealants. Policies that cost a little more than the basic can cover other procedures, such as crowns, bridges or implants.
Know the limitations of your health insurance, because dental appliances or even extractions of third molars may not have coverage. Students like you do not always spend money on services other than cleanings or routine exams. When insurance covers other services, such as sealants, you can make sure you keep your teeth healthy and strong throughout your college career.
Take advantage of your dental insurance to the maximum
While you might think about using dental insurance for important dental procedures, you can get much benefit from your insurance by making use of all the preventive and cosmetic dental work covered by your policy. Have you always wanted to seal your teeth to prevent deep decay? Do you have an overbite or chipped tooth that you want to correct?
Go and schedule your procedures so you do not waste your dental insurance. Make sure you take care of your teeth by performing proper oral hygiene, so you can maintain good health of your mouth when you leave the office.