Insurance for dental visits can be awfully expensive – if you don’t do all of
your homework first. However, you don’t have to cut corners on your coverage
just because you want an
plan. Contrary to popular belief, you can have the best of both worlds!
Here’s how you do it:
1. Look for individual dental insurance bundles
Even if you’re just looking for affordable dental coverage for yourself – and not as part of a family or group plan – you can get it. To get the best rates, though, your best bet may be to bundle your dental coverage with other types of insurance – like your vision insurance or your health insurance.
Many companies offer multiple types of insurance, and if you get more than one policy from them, you can get a discount. Think of it as getting a value meal at your local fast food joint. When you buy the burger, the fries, and the drink together, it costs less than if you were to purchase them all separately. Many times, you can do the same thing with insurance.
2. Know what you should be looking for
If you don’t know what makes up a good dental plan, then how do you know if you’re getting affordable dental coverage?
Typically, good individual dental insurance includes things like preventative care, lots of local doctors to choose from, and low deductibles. If you’re looking at a cheap dental plan that doesn’t include these basics, it might be affordable dental coverage – but it isn’t very good dental coverage. Your money can be much better spent elsewhere.
Also, you’ll need to know the difference between a dental HMO and a PPO. Both options come with some different pros and cons, so you’ll need to see which one is best for you – then plan accordingly.
3. Read the fine print
Before you sign on the dotted line, make sure you understand exactly how everything works. After all, the last thing you want is to get a plan that you think is a great deal – only to find out that your insurance for dental visits comes with all sorts of extra fees, red tape, and hoops to jump through later. If you have any questions about what you or your dental insurance company has to do to hold up their end of the bargain – ask. If you don’t get answers that you like, find another plan.