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Do you have dental insurance? When most people think about the term work benefits, they are almost always talking about health insurance followed closely by dental. This should come as no surprise as everyone knows that you need dental insurance. Yes, this type of insurance is atop many people’s lists of important job perks. But why exactly is this insurance so important and necessary?

That answer can be found in the midst of a debilitating toothache that seems to simultaneously throw your world into one giant throbbing, aching tooth. In fact, a few things can disturb your day more than a bad tooth. This is why it is imperative that people have a good insurance plan. More and more employers are starting to systematically include dental insurance as part of their benefits package. It’s undeniable that dental health is very important, and doctors are emphasizing this idea each day.

Currently, only 57% of Americans under age 65 have dental insurance, through their employers compared with 85% for medical insurance. Unfortunately, many companies are being forced to take a hard look at how they spend their limited health-care dollars, meaning that this insurance tops the list of benefits employers are looking to cut. Companies argue dental insurance is a nonessential benefit since a patient’s total financial risk is relatively low. After all, a medical catastrophe could wipe you out financially — something that’s unlikely to happen with even the most costly dental expenses.

Dental health can also be attributed to other physical health issues. For example, Gingivitis, which is an infection of the soft tissues of the mouth, if left untreated, can become a serious problem that could land someone in the hospital. Neglecting your teeth can be bad news when it comes to your overall health.