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Why is Dental Insurance so Expensive?
Does your dental insurance premium bother you due to its high cost? Have you wondered why dental insurance is so expensive? If you look at the cost of dental care and dental procedures, you would have your answer there.
Shelling out $250 for teeth cleaning or $500 for teeth whitening is a dreaded amount for most families. But the dentists are not to be blamed for this whopping cost of dental treatments and we need to get to the foundation of how the dental care system works to understand this.
In this article, we will find out why dental procedures are so expensive and also some means to reduce your dental costs.
Why Such Huge Prices For Dental Procedures?
The dental market is more than 150 billion USD and is extremely complex for dentists to operate in. Dentists do not get any incentive to opt for lower-margin preventive procedures. On top of it, dentists have to rely on insurance companies to find them patients but insurance companies offer very low reimbursement rates(this is the amount insurance companies pay to the dentist for the work carried by them) to dentists. This way companies get to keep a larger portion of the patients’ premiums.
Let us look at some of the salient reasons for dental procedures being so high:
- Overhead costs – Building or buying a dental office is capital intensive.
- Student loans – Dentists have a huge amount to pay for their student loans which they are forced to charge their patients.
- Back-office needs – A dental office needs some office staff to run the front desk, look after insurance reimbursement, and other such administrative work.
- Equipment cost – The lab and equipment costs a bomb and any dental procedure requires multiple materials.
How to Reduce Your Dental Costs
Getting dental insurance is a great way of paying less from your pocket for each dental visit. If you opt for a full coverage policy, they can cover a large portion of dental procedures which turns out to be extremely cost-effective and helpful
The current dental system focuses on reactionary and expensive treatments. This results in patients shelling out more money to keep this outdated system running. If you do not have dental insurance then you might be reluctant to go to a dentist owing to the price attached to dental visits. Thankfully some dentists have started running rewards programs so that you get coverage for your treatment even without insurance.
Schedule your appointment with a dentist today and get the treatment on time!
If you are looking for Dental Billing Experts in US, you can contact Capline Dental Services.