If you've got a wife and kids, you need a way to cover all of the expenses of their teeth cleanings,
braces, cavities, and everything in between. Unfortunately, though, more and more companies are
removing dental insurance from their benefits packages in an effort to save money. So, what do you do?
Opt for family dental insurance!
You don't have to get it through your employer; it's easy to sign up for on your own. But before you do, there are 4 things you need to know:
1. Most preventative care is completely paid for
The best dental insurance will pay for the things you need. In the case of a good family dental insurance policy, that means paying for things like routine cleanings, check-ups, and x-rays. Many family dental policies will pay 100% of those costs; others will pay the vast majority of these costs. That way, you can get the services you need to maintain good oral health, without spending an arm and a leg.
2. You can add specific coverage onto your plan
The best dental insurance plan is the one that handles all of your specific needs. Luckily, a good family plan will allow you to add on additional coverage - like orthodontic treatment. That way, when the kids need braces, you won't have to foot the bill by yourself.
3. You may get to choose your own dentist
Even if you get family dental insurance under a PPO plan, you'll have a long list of approved providers to choose from. Or, if you sign up for another plan that doesn't come with a list, you'll have the freedom to go to any licensed dentist that you want.
4. You'll save money
Family dental insurance is some of the best dental insurance you can buy because you get to take advantage of discounts. After all, insurance companies are far more likely to give a discount to an entire family, rather than just an individual policyholder, because the family represents more money in premium payments every month. If you find a good family plan, you may only wind up paying a few dollars per month in premiums for each member of your family!
Plus, family dental insurance can also save you money down the road - even more than a discount dental plan can. That's because a family plan only requires you to meet a deductible or pay certain copays. With a discount dental plan, you have to pay for all of your dental services and procedures yourself. Sure, you'll get to pay discounted rates, but you'll wind up spending more out-of-pocket in the long run if you have to pay for all of your family's dental services!