WinningSmiles Custom Dentistry & Implant Center
M-Th 8am-5pm, F 8am-3pm,


October 18, 2011
Posted By: Frank Finazzo, DDS
Top Dentists in Fontana

I get this question all the time at my office WinningSmiles in Fontana, California: Doc, my employer doesn’t offer dental insurance….should I go out and buy a plan?

Should I buy dental insurance?

The short answer is “No”. The long answer is: “HELL NO!”.

Things to consider

An important thing to consider is that dental insurance is not similar to medical insurance at all. The majority of dental insurance plans are designed with the purpose of only covering basic dental care and is not intended to provide comprehensive coverage like that of medical insurance.

Remember, like any other business, dental insurance companies are out to make a profit. Does it make sense for them to pay out more money in benefits than they take in with premiums?  They end up collecting much more in premiums than they pay out in benefits. In order to make things work in their favor, dental insurance companies place waiting periods of 3 months to a year on certain procedures. For example, if you need a crown on a given tooth, the plan may make you wait an entire year before paying a benefit. In the meantime, decay may progress to the point where you need a root canal; and the cost of the procedure may double. In addition, insurance companies will put yearly maximums of $1,000 to $1,500 on your dental benefits and limit your choice of dentists and procedures.


My recommendation is to find a dental office that you like and trust and work out financial arrangements with that office directly, thereby eliminating the “middle-man” (dental insurance).    Most dental offices offer financing that is affordable and allow patients to make small monthly payments.

Related Blog Posts
November 22, 2020
The Advantages of a Dental Membership Plan

The rising cost of health care is a concern for many families, and these worries are the same when it comes to dental services. Dental insurance can be a useful tool to help defray the costs of dental care; however, there are drawbacks to dental insurance like deductibles and waiting ...

February 20, 2017
How Does Alcohol Affect Teeth?
Family Dentist in Fontana | Harmful Drinks for Your Teeth

One of the questions my patients often ask at my Fontana dental office is, “Doc, does drinking beer, wine or a mixed drink affect my teeth?” 

The effects of alcohol on teeth

Scientific evidence has shown that people who suffer from alcohol dependency tend to have higher plaque levels on their teeth and ...

January 31, 2017
Is Chewing Gum Good for Your Teeth?
Dental Cleanings in Fontana | Woman Chewing Bubblegum

Sometimes I get questions from my patients at my dental office in Fontana asking if it is okay to chew gum.  My answer is invariably, “Well, it depends.” There are different types of gum with different ingredients and these factors all have an impact on whether or not it is “okay to ...

If you have difficulty using our website, please email us or call us at (909) 822-3003
View the ADA Accessibility Statement
Following ADA and CDA guidelines regarding the COVID-19 pandemic, our office is resuming regular hours. To schedule an appointment, please call our office at (909) 822 3003 or click here