The fact is dental insurance will reduce your dental care cost at the dentist.  So why is it that some dentist will advise their patient not to buy dental insurance, stating it is not worth the cost.

Normally there is three reasons for this:

1) The dental office you went to is not a provider of any dental insurance plans, and therefore they feel you getting insurance will not help you when having  dental services done though them.

2) The dental office you went to is only a provider of PPO plans.  Therefore if you do not have a current PPO plan in place,  they know that getting one now may not workout the best for you, if  you  need more then preventive dental care services.  (This is because most PPO plans will have long term waiting periods for both basic and major dental care)

3) Because of one and two.  A dental office is still a business.   Why would a dental office advise you to buy a dental HMO plan, (that normally does not have waiting periods and are lower cost dental insurance plans) when they are not a provider of any. It not like the want to refer a dental insurance plan that will take away business from them.

This is not say that it is wrong for a dental office to advise their patient not to get dental insurance if they do not already have some.  If you put of getting dental insurance until you have larger dental needs,  and in addition you want to stay with a certain dental office,  then what they are saying could be correct in your current state.

Yet  even if that is true the question that would remain would be, is paying full cost for your dental services really want you want to continue to do ?  What if a year from now you still have larger dental issues that needs to be address.  How much better off are your really when you still do not have current dental insurance.

Therefore if you have a dentist you wish to continue to see, think about getting a dental PPO or Indemnity plan that will let you stay with your current dentist.  Even with the waiting periods it is important to think of not only want your current needs are but want your future dental needs may be.