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
July 15, 2022
Does Invisalign Work? Pros, Cons, Effectiveness

If you're living with crooked or overlapping teeth, it may impact the way you feel about your smile. You might feel less confident about smiling, especially when you meet new people, and you may not be making an accurate first impression.

Maybe you've considered straightening your teeth, but the idea of ...

November 22, 2020
The Advantages of a Dental Membership Plan
Family picture with perfect teeth in Fontana CA

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 ...

October 17, 2020
Common Reasons Why You Might Need a Dental Crown
Extracted tooth in Fontana CA

Has your dentist recently recommended a tooth crown? Your teeth seem to be functioning fine, and you’re not in any pain, so you may wonder why a crown and not some other treatment? 

Do You Really Need a Dental Crown?

A dental crown is a tooth restoration that’s commonly used to extend ...

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