Does dental insurance for students pay off? It could depend on the health and wellness of your teeth and gums. A student with excessive decay, gum disease, or tooth damage might end up spending large amounts of money on dental work than a student who only needs basic dental services like cleanings and check-ups. As a student, you might still have dental coverage under your parent's insurance plan. Can it benefit you to get your own dental insurance? Students interested in having autonomy from their parents may want their own dental insurance, but student dental insurance does not always cover as much as a family plan does.
Although most colleges these days require health insurance for students, student health insurance plans do not often cover dental. Additional dental insurance will cost extra. Although an added expense, it may just end up amounting to less than what you would pay out of pocket without any insurance. As a student, you want to save all the money you can for your classes, room and board. Don't waste money out of pocket on dental work that insurance can cover.