How do you find the right dental insurance plan for you and your family? The first step would be accessing exactly what the specific and immediate dental needs are for you and your family.
How old are you? You have different dental needs at different ages. Those that are younger tend to need plans with strong preventive and basic benefits. Those that are older tend to need more major services such as inlays, crowns, and implants.
Do you have a young family? Preventive dental care is the best insurance against major dental problems and the bills associated with them down the road. Children with sealants that visit the dentist regularly have a cavity prevention rate of over 98% within two years of treatment. If you have kids you definitely want to invest in a dental plan that has strong preventive benefits.
Do you have strong teeth or do you tend to get a lot of cavities? Not everyone is blessed with strong teeth. If you have soft or weakened enamel on your teeth it can lead to an excess amount of cavities. If you have a lot of cavities you need to choose a dental insurance plan that has strong basic coverage.
Do you have gum disease? Bacteria laden pockets in your gums can lead to tooth loss of they are not aggressively treated. If you have gum disease you want to make sure that you have a dental insurance plan that addresses those concerns.
Are you over fifty years old? If you are and if you have had silver fillings you probably are going to have to replace those fillings with expensive inlays and crowns. A crown can cost up to $1500 so you should pick a dental insurance plan with a strong emphasis on major coverage that is coupled with a high annual maximum.
Some people are not aware that they can buy their medical, dental, and vision insurance together all with the same provider under the same plan. Getting your dental, vision, and medical insurance all together offers a few benefits.
First, you only have to pay one bill each month.
Second, you save money overall because you get discounts for each plan for using the same health care provider. Many health care or insurance companies bundle their services or work with other companies to offer bundle discounts. This is particularly true when we are talking about vision and dental insurance which can be added to your general medical plan.
Third, all your paper work is with one insurance carrier and you don’t have to locate information for each provider.
If you want to buy your medical, dental, and vision plans together just ask your current provider and ask them if they offer the other services. They will be happy to tell you which other services that you can add to your existing coverage.
As a college students, we are all constantly trying to pay our bills, study, and manage our schedule. There is nothing worst doing these times then to have to deal with a dental problems. There is enough going on to have to deal with a tooth ache. The last thing that you need is to go see a dentist when you don’t have dental insurance. You know it is going to cost a lot of money and you don’t have it unless you are lucky to have your parents paying for your dental insurance.
So what you do? Where can you find cheap dental insurance for college students? The truth is that dental insurance is not that expensive. They are many places that you can buy dental insurance that require a very small monthly payment. Where it can get expensive depends on the type of dental procedure that you have to undergo. For example, a root canal is going to be more expensive then a tooth cleaning. Braces are going to cost more but is generally needed for a student then dental implants. So shop for a dental insurance plan based on your projected needs.
You should also consider going to a dental school to get your dental services. Many dental school offer cheaper services performed by students who are learning to become a dentist then what it will cost for a real dentist to do it. You can save a lot of money doing so.
You would think that most dental insurance plans would cover dentures but they don’t. Dental insurance for dentures is not an automatic benefit.
Dental insurance for dentures is considered a major service, which means that your dental insurance needs to have major comprehensive coverage for dentures to be covered.
Dental insurance for dentures is seldom covered at 100%. Typically most major services cover 50% of the usual and customary costs up to the annual maximum limit of the policy, which is typically around one thousand dollars.
Sets of dentures vary in cost and quality. A complete low end set costs approximately $1000. Premium dentures can cost $2,000 -$4,000 per plate, or $4,000 -$8,000 or more for a set.
The bottom-line is that dentures can be quite expensive and the average reimbursement cost is only around $500 when you have dental insurance for dentures.
If you think dentures are going to be part of your future you should consider enrolling in a dental insurance plan with high annual maximums. It won’t pay for everything but it will help absorb more of the costs of getting a set of dentures.
Dental health plans help you keep your teeth and gums healthy while minimizing the impact of unexpected dental expenses. They don’t pay for every dental expense but they contribute to the bottom-line to give you lower overall dental expenses.
There’s a lot to consider when choosing the best dental health plans for you. The best way to start is by learning about the different kinds of dental health plans that are available.
The first type of dental health plan is called an indemnity or fee-for-service dental insurance plan. This plan is pretty popular in most areas of the country. It is the type of dental plan that allows you to see any dentist.
The second most popular dental health plan is the preferred provider network dental insurance plan. To gain the most benefit from it you need to choose a dentist from that network. If you can find a network dentist that works for you this could be your best dental health plan solution because of the reduced rates for premiums and services.
Are you looking for the best dental insurance? Well I have news for you! There isn’t a single best dental insurance. The best dental insurance is the plan that matches up the closest to your own personal dental care needs.
Do you have strong teeth or weak teeth? Do you get a lot of cavities? Do you think that crowns and root canals could be in your future? Do you need a plan that just covers basic and preventive services? The answers to those questions are the first step to finding the best dental insurance for you and your family.
If your teeth are in great shape you may just need a plan that pays for cleanings, exams, and the occasional filling. Those limited type of dental insurance plans cost less than full coverage dental insurance because they cover less. Why pay for more dental insurance than you are actually going to use?
If you are older or have teeth you think may need some major work in the future it is probably wise to invest in a dental plan that has generous coverage for major services. The best dental plan for you would cover preventive, basic, and a heavy dose of major services.
In conclusion analyze your needs. Find a dental insurance plan that addresses those needs. That dental insurance plan will probably be the best one for you.