Is it more cost efficient to pay out-of-pocket for a dental exam, cleaning, and cavities…or get insurance?
Question by hyperactivemiss: Is it more cost efficient to pay out-of-pocket for a dental exam, cleaning, and cavities...or get insurance?
I am a 22 year old freshly graduated from college and unemployed. My dad has been unemployed for a year and my mom is self-employed, which also doesn't pay much. I would really like to hear your opinions on what would be most cost efficient. I haven't been to the dentist in over a year and I can tell I'm developing maybe 5 different cavities. They are on 4 different teeth. Visually, they look very small. 3 teeth have a cavity on the chewing surface, while 1 tooth has many tiny little spots on the chewing surface and one on the "buccal" side facing my cheek. I would like resin-based composite fillings (the white ones that match your teeth).
Dental insurance seems to be more affordable but at the same time I was considering the option of going to the dentist ASAP and pay out of pocket, and take better care of my teeth until hopefully I can find a job and take care of the bills myself. However, estimating the costs, I would say that would be at the very least $ 500 isn't it? (note: that is my rough estimate after Googling online. I have no idea of the true cost) Whereas I could get insurance for a yearly bill of $ 100 and pay cheaper copays for what I need taken care of. (note: I have little experience and knowledge about dental insurance.) Anyone have any thoughts or experiences to share? Thank you.
Yes, I want to make it clear I will get full health insurance in the long run, but right now with everyone in my family unemployed (this includes my adult brother who still lives with us) except for my self-employed mother, I am looking for most cost efficient as of *right now.*
Answer by gi
Have you tried applying for state medical?Another thing insurance most def suppose your teeth need major things done you can't pay out of pocket evey time
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