Dental Insurance for Preventative Cleanings?
I’m in my mid-twenties. I’ve always had dental insurance covered by my employer. As such I’ve never had to pay for preventative cleanings and have gone twice a year. I just switched over to a new job, and they do not offer dental insurance as a benefit. Now I’m looking into getting my own personal insurance just for cleanings and it’s leaving me confused. Would it not be more cost beneficial to just pay out of pocket for cleanings than to have dental insurance with a copay? Some dentists near me are charging around $75 for a cleaning, which is much cheaper than the annual cost of the insurance plans I was looking into?
Am I missing something?