Smoking and the Cost of Dental Insurance
Will my dental insurance premiums be affected if I smoke?
No, generally, concerning standalone dental insurance plans for individuals/families, smoking is not a rating factor. So although your dental insurance rates are typically not affected if you smoke, you may still have a high cost in maintaining your dental health because you smoke. Smokers have increased oral health risks and are more prone to diseases of the gums and teeth. Due to those factors, you may need to see a dentist more often than non-smokers. Having to see a dentist more often due to smoking will cause you to spend more on dental healthcare.