{"id":5381,"date":"2021-04-27T11:11:33","date_gmt":"2021-04-27T18:11:33","guid":{"rendered":"https:\/\/carolinacompletedental.com\/?p=5381"},"modified":"2025-05-05T18:22:17","modified_gmt":"2025-05-05T18:22:17","slug":"buy-up-dental-insurance-a-little-extra-protection","status":"publish","type":"post","link":"https:\/\/www.carolinacompletedental.com\/blog\/buy-up-dental-insurance-a-little-extra-protection\/","title":{"rendered":"\u201cBuy-Up\u201d Dental Insurance: A Little Extra Protection"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">When it comes to <\/span><a href=\"https:\/\/www.moneytips.com\/dental-insurance-pros-and-cons\"><span style=\"font-weight: 400;\">dental insurance<\/span><\/a><span style=\"font-weight: 400;\">, it seems like there can be as many (or more) questions as there are answers. Even when you are fortunate enough to have dental insurance, navigating its use can still be very confusing. Many people don\u2019t give their dental insurance a second thought \u2013 until the day comes when they need to use it.&nbsp; Today, <a href=\"\/about-us\/\">Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams at Carolina Complete Dental<\/a> would like to talk to you about an option not everyone knows about \u2013 \u201cbuy-up\u201d dental insurance.<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h3 class=\"wp-block-heading\"><b>What is \u201cBuy-Up\u201d Dental Insurance?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">\u201cBuy-up\u201d dental insurance allows enrollees with group insurance to \u201cbuy-up\u201d to more generous benefits by paying higher monthly premiums and receiving more comprehensive dental coverage in return. The differences between \u201cregular\u201d and \u201cbuy-up\u201d dental coverages are easy to pinpoint when benefit summaries of the plans are viewed side by side: \u201cbuy-up\u201d dental calendar year maximums are higher, annual deductibles are lower, and a percentage of more extensive restorations like <a href=\"\/services\/restorative-dentistry\/#Bridges\">bridges<\/a>, <a href=\"\/services\/restorative-dentistry\/#SameDayCrowns\">crowns<\/a>, <a href=\"\/services\/dental-implants\/\">dental implants<\/a>, and sometimes even <a href=\"\/services\/orthodontics\/\">orthodontics<\/a> are covered, while regular group dental insurance plans often provide little to coverage for these procedures. As with any other insurance plan, whether dental providers are in-network also factors into the level of coverage when considering \u201cbuy-up\u201d dental.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Is \u201cBuy-Up\u201d Dental Insurance Worth the Added Cost?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">When the only factor under consideration is economics, one recent study would likely call it a draw. The sample showed the average insured household spent $978 in out-of-pocket dental costs \u2013 including premiums \u2013 while the average uninsured household spent $1,007 \u2013 a mere $29 difference. If \u201cbuy-up\u201d dental insurance becomes an option for you, the specific pros and cons of your individual and family situation will need to be weighed when you choose your insurance plan.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you are a weekend hockey player, have kids that need orthodontia, or just tend to be unlucky when it comes to your teeth, it\u2019s hard to put a price tag on your peace of mind. Dental insurance can be a saving grace for those with unusually high dental expenses from serious financial hardship, and better-than-average coverage would only ease the burden.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It may seem like a gamble to dig into your pockets and invest more money in a higher-priced dental plan when the extra coverage may never be needed. However, to reiterate \u2013 many people don\u2019t give their dental insurance a second thought until the time comes when they NEED it \u2013 and <\/span><b>when you need your dental insurance, you really need it<\/b><span style=\"font-weight: 400;\">. Some of the most expensive dental procedures are also the most unexpected and in many cases, they are true medical emergencies that require treatment.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">One way to think about \u201cbuy-up\u201d dental insurance is to compare it to enhanced towing coverage for your vehicle, such as the type offered by AAA. You can pay one nominal annual fee that covers unlimited towing costs, so no matter where your vehicle breaks down within a certain geographical radius, there will be no additional cost to you for your car to be towed. If you carry this coverage, your vehicle may not break down during that coverage year and your benefits may never be used, but if your vehicle does break down and you do require towing, the annual premium price is about the same or less than one tow, and the coverage has paid for itself with just one use.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams and our team are always happy to discuss your insurance coverage, as well as your other <a href=\"\/patient-info\/\">financing options<\/a> if you need additional help working dental care into your budget. <a href=\"\/contact-us\/\">Contact us anytime<\/a> \u2013 we\u2019d love to help!<\/span><\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p><i><span style=\"font-weight: 400;\">The content of this blog is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to dental insurance, it seems like there can be as many (or more) questions as there are answers. Even when you are fortunate enough to have dental insurance, navigating its use can still be very confusing. Many people don\u2019t give their dental insurance a second thought \u2013 until the day comes when [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5384,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4],"tags":[26],"class_list":["post-5381","post","type-post","status-publish","format-standard","hentry","category-blog","category-patient-care","tag-dental-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Extra Protection with Dental Insurance in Goose Creek, SC | Carolina Complete Dental<\/title>\n<meta name=\"description\" content=\"Goose Creek dentists, Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams of Carolina Complete Dental discuss buy-up dental insurance and how it can prove to be a valuable investment for patients.\" \/>\n<meta name=\"robots\" content=\"index, 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