Most health insurance plans don’t cover dental care, so this becomes the key question. You ask yourself, “Can I get access to affordable dental care through cheap dental insurance, the kind that won’t break my budget but will help me and my loved ones?” In other words, is dental insurance worth the cost?
You can search this question online, but you won’t find any consistent answers.
You’ll find articles (usually on sites selling dental insurance) that say definitely “Yes.” Of course, you should have it. Taking care of your teeth as part of your overall health is important.
You’ll find others (on financial advice websites or sites selling dental discount plans) that say definitely “No.” Between the premium and the annual maximums, they say, the best you can do is break even on your investment.
The real answer is, “It depends.”