Dental Insurance Fundamentals dental needs and treatments are very different from medical needs and treatments. So are the insurance products and philosophies. The dynamics surrounding dental insurance are different from those that govern health or other types of insurance. Most dental insurance is group insurance. Insurance companies do not commonly sell individual or family dental insurance.
Insurance is tied to the assumption of risk.
The insurance companies understand that you are buying dental insurance because of expected need and that they will be paying out more in claims which translates to risk. Group dental policies such as employer-sponsored dental benefits represent lower risk because the risk is spread out. You can see why individual or family dental insurance is not commonly found in the marketplace. For these reasons, consider whether the cost of dental insurance for the treatments you expect to occur during the year are going to be higher or lower than the expected cost of treatment. This could help drive your decision on which type of dental insurance product is best for you, or if the cost of dental insurance justifies even buying it.