Filling without insurance vs. filling with insurance. Murphy’s Law suggests that if something can go wrong, it will. While it may seem pessimistic, it’s wise to remember it. For example, if you eat a slice of buttered bread and it falls, it will always land butter-side down. Or, if you live in Hialeah and are rushing to an important meeting, traffic will invariably stop for a 10-minute train crossing. Every day, you cross the same tracks without issues, but on the day you’re in a hurry, there it is, with 150 cars.
Toothaches operate under similar logic: they always strike in the middle of the night when everything is closed or, worse, the day before you leave for vacation, forcing you to make an emergency trip to the dentist.
Picture the scenario of going to the dentist in an emergency without dental insurance. At that hour, the receptionist, with a poker face, will regretfully inform you, “Uff, no insurance? The X-ray will cost you $100, and the anesthesia another $100.” That’s $200 down before they’ve even looked at your tooth. This is the potential financial burden that can be avoided with dental insurance.
Then, with a sympathetic smile, she’ll present their luxury menu: “We have four types of fillings: amalgam ($150), composite ($200), gold ($400), and porcelain ($600).” So, a basic amalgam filling, which is not aesthetic, can set you back at least $350.
Imagine the relief of having dental insurance, which costs around $25 a month and typically covers 100% of preventive care (like X-rays and cleanings) and 80% of fillings and extractions. To continue with our example, with dental insurance, the consultation—including X-ray, anesthesia, and a porcelain filling—would cost you $180. “Did you catch that? Porcelain, not outdated amalgam.” This is the peace of mind that comes with being prepared for the unexpected.
The numbers speak for themselves. If you understand that the universe follows Murphy’s Law, you’ll realize that having a dental policy means you’ll likely never get a toothache and feel like you’re paying for nothing. But if you don’t have a dental policy, rest assured that a toothache will strike in the middle of the night or the day before vacation, and the treatment will cost a fortune.
Rest assured, at Univista Insurance, you can get the most affordable dental insurance in Florida. We understand the importance of accessible healthcare, and our policies are designed to provide you with the coverage you need at a price you can afford. Filling without insurance vs. filling with insurance.
Call us today for a complete evaluation! (305) 227-9304. You can also get a free quote here.
