Every June, we celebrate Oral Health Month—a time to promote the importance of healthy teeth and gums. While brushing and flossing are essential, there’s more to oral care than just good habits at home. Your dental health is closely connected to your overall well-being, your wallet, and even your employee benefits and insurance choices.
Let’s explore how prioritizing your oral health this month isn’t just about your smile—it’s a smart move for your health, finances, and future.
Why Oral Health Matters More Than You Think
Oral health is about more than cavities or cleanings. Poor dental health has been linked to:
- Heart disease
- Diabetes complications
- Respiratory infections
- Pregnancy risks
- Low self-esteem and job performance
According to the CDC, nearly 1 in 4 adults aged 20–64 has untreated cavities, and nearly half show signs of gum disease. Regular dental checkups not only protect your teeth but can also detect early signs of serious health conditions.
The Role of Employee Benefits and Health Insurance
Many employees don’t realize how valuable their dental benefits are—until they need them. During Oral Health Month, take time to revisit what your plan includes:
1. Preventive Care
Most employer-sponsored dental plans cover 100% of preventive care, including:
- Routine cleanings
- Exams
- X-rays
These services are your first line of defense against costly procedures like root canals, crowns, or extractions.
2. Comprehensive Coverage
Beyond cleanings, plans may cover:
- Fillings
- Periodontal treatment
- Oral surgery
But coverage levels and annual maximums vary. Review your benefits to ensure you’re not surprised by out-of-pocket expenses.
3. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
These tax-advantaged accounts can help pay for:
- Braces and orthodontics
- Nightguards
- Wisdom tooth extraction
It’s smart to align these accounts with your oral health needs during open enrollment.
Life Insurance and Oral Health: A Surprising Connection
You might not think your teeth affect your life insurance rates, but they can—indirectly.
During life insurance underwriting, providers assess your overall health. Conditions related to poor oral hygiene—like diabetes, cardiovascular issues, or chronic inflammation—can impact your eligibility or raise premiums.
Additionally, people with regular dental visits and preventive care often demonstrate a proactive attitude toward their health—something underwriters view favorably.
So, keeping up with oral health isn’t just good for your smile—it may help you secure better life insurance rates and protect your family’s future.
5 Ways to Take Action During Oral Health Month
- Schedule your dental cleaning—especially if it’s been more than six months.
- Review your employee benefits and check what’s covered under your dental plan.
- Use any FSA or HSA funds for dental needs before they expire.
- Talk to your HR rep during open enrollment about dental coverage or optional life insurance add-ons.
- Educate your team or family—oral health is a lifelong investment.
Final Thoughts
Oral Health Month is the perfect time to give your smile the attention it deserves. Whether it’s scheduling that overdue cleaning or reevaluating your insurance coverage, small steps can lead to big health and financial benefits.
A healthy mouth is a sign of a healthy body—and a well-prepared future. So go ahead: brush, floss, and revisit your benefits. Your smile, your health, and your family will thank you.
For more follow us on Instagram, Facebook, Twitter, & LinkedIn.
