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The average dental insurance premium in North Carolina is $37 per month. $37 x 12 months = $444 – regardless of whether you have any treatment done. North Carolina dental insurance plans typically cover preventative exams, routine teeth cleanings, x-rays, and a portion of fillings. Some cover a portion of periodontics, dentures, root canals, and other procedures. *Source: eHealthinsurance.com/north-carolina
For dental procedures that are not considered routine (crowns, root canals, etc), you will most likely have to pay a deductible, which is the amount you are required to pay upfront even if you have insurance. The average deductible is about $50.00. That means you would pay the first $50.00 of any treatment and then pay whatever percentage of that treatment your insurance doesn’t cover.
For example: If a crown costs $2,000.00, and your insurance covers 80% of that cost, you will pay $400.00. So add that to your deductible ($50), and your monthly premiums ($444), you have paid $894.00 so far.
Also, ALL dental insurance plans have a maximum allowed for the year, regardless of how much dental work you actually need. So, if you need fillings or a root canal, and the cost is more than your maximum (the average of $1,500.00), you will have to pay the remaining balance out of pocket until your plan resets. But what happens if you break a tooth in the meantime? If you’re in pain, are you really going to put off treatment until your insurance plan resets?! Not likely.
Give yourself peace of mind and sign up for one of our wellness plans. This way, you will be able to have excellent dental care available whenever you need it without having to pay high premiums or wait for your insurance to reset.