Finding a good dental insurance plan can be tough, almost as hard as finding a good dentist. This is especially true if you’re not sure you have enough money to get a plan that’s right for you. Most people forgo buying a dental insurance plan in order to pay for their medical insurance or medical bills. However, dental insurance can be a very valuable tool, especially if your teeth are prone to cavities or other dental problems. If you’re one of the many people who aren’t sure exactly where to start when it comes to buying cheap dental insurance, here are a few tips for you! There are a few major differences from plan to plan. These will help you decide which plan is right for you:
- The overall cost. Each plan will require you to pay different out-of-pocket costs for different procedures as well as different annual payments. Just because a plan is expensive doesn’t mean you’ll get the coverage you want. On the other hand, just because a plan is cheap doesn’t mean you’ll get terrible coverage. Look at the specifics of each plan to make sure you’re getting exactly what you want.
- Your choice of dentists. Not all dentists are covered by the same insurance providers. You might want to give a few of your local dentists a call to see what insurance plans they recognize.
- How you’ll pay. Each plan not only covers different procedures, but they require different payment methods as well. You might find that you pay very little for your procedures but have high annual costs, or the other way around. You can choose which way is preferable for you.
Look up Dental Insurance Quotes
Before you go about buying your dental insurance plan, make sure you do your research. Don’t just settle for the first plan you see because you aren’t sure what else is out there. A good starting point is asking your friends and family what kind of insurance they use. You can also ask about good dentists in your area and see what kind of insurance they accept.
You can also try doing a quick internet search. This can be a very efficient way to find quotes and recommendations since you’ll have a lot of information right at your fingertips. However you choose to do it, make sure that you understand how much you’ll be paying and what kind of coverage you’ll be getting with your dental insurance plan. Some companies require different types of commitments and payment plans, so you’ll want to make sure you do your homework. The more you know about the plan you’re buying, the less likely you are to get taken to the bank.
Individual Dental Insurance
If you’re not planning on having a family anytime soon, then individual dental insurance might be the right coverage plan for you. Most plans provide fairly basic coverage at great prices. Some plans, depending on your individual needs, provide discounts on individual services such as fillings and root canals. Make sure, though, while you’re buying your plan, that your dentist is covered under it.
Discount Dental Insurance Plans
Discounted dental insurance plans really aren’t insurance plans at all. Some insurance companies offer them as a way to alleviate the cost of different dental procedures. Essentially, you won’t be covered, but you will receive a discount on any work you have done at a participating dentist’s office for a small monthly or annual fee. Discount plans usually only work with a certain network or dentists, so you’ll have to make sure that your dentist is covered. These types of plans typically don’t require any paperwork or contracts, but you will have to abide by all of your provider’s requirements.
Full Coverage Dental Insurance Plans
If you’ve just had a child or plan on having children soon, then a full coverage dental insurance might be something you want to look into, especially since children require a large amount of dental work as they grow. Make sure that the plan you choose suits your needs. Plans that cover the most expensive procedures such as tooth extractions and root canals are preferable and will keep you from breaking the bank. Most plans have a maximum annual limit for how much they can cover, so you’ll want to be aware of that as well. The most important thing to keep in mind, though, is whether or not you’ll be able to afford it. Full coverage dental options can be a tad bit pricy, so check your budget before you purchase one to make sure that you’re getting your money’s worth.
Fee-For-Service Dental Insurance Plans
If your greatest concern is your choice of dentist, then you’ll probably want to look into a Fee-For-Service dental insurance plan. These are also called “traditional plans,” and usually allow the largest number of dentists under their coverage. This type of plan requires you to pay a certain percentage of whatever your dentist charges, then your plan will pay the rest. The amount you will pay varies from plan to plan, but you’ll usually end up paying around 20% of your dentistry needs. Cosmetic dentistry tends to cost a little bit more.
Private Dental Insurance
Private dental insurance can be a good option for those whose employers do not provide dental insurance. Private treatment options tend to cost more than general public options, but on the bright side you’ll get more attention from your insurance company, and you’ll most likely be able to see the dentist you want. If you’re willing to pay the extra fees for your dental coverage, you’ll most likely be most satisfied with a private dental insurance option.
Looking for an affordable dental insurance option doesn’t have to be a huge headache. Begin by asking your friends and family for recommendations. This can save you a lot of time and energy, and your friends will most likely be able to provide you with information on plans with a low cost. And be sure to get quotes and coverage information from whatever company you’re looking into. Make sure that your teeth are in the right hands.