Chances are the best dental insurance
is only a few mouse clicks away. But with so many insurance companies trying to make the most out of the world wide web, how
do you successfully wade through the dental insurance plans that aren't for you - and find one that's perfect?
Follow these 3 tips:
1. Think outside the box
The best dental insurance for you may not be a traditional policy that comes with monthly premiums and an approved list of providers. You might be better off with something a little less traditional - like a discount dental plan.
With one, you pay an annual fee that's much cheaper than the money you would spend on 12 monthly premium payments. In return, you get a discount card that gives you deals like 50% off of routine x-rays, or 30% off of cleanings. You'll have to foot all of the bills yourself, but you'll get huge discounts.
A discount dental plan is perfect for people who don't have a ton of dental issues and are looking for a way to save money on routine services and procedures. These discount plans ensure that you'll only have to pay for services you need - instead of paying a pricier premium that covers services and procedures that you'll never take advantage of.
2. Don't just look at premiums
When you're shopping for dental insurance, it can be tempting to pick the plan that comes with the lowest monthly premium payments. However, that may not be the best dental insurance for you! Sure, you'll save a few bucks every month, but what happens when you need dental work done - and you realize you have a huge deductible that you can't afford to pay?
The best dental insurance is the plan that gives you the most bang for your buck over the long haul. You'll need to take into account all factors - like deductibles, copays, and other out-of-pocket expenses - to see if that low monthly premium is really a good buy.
3. Look for lesser-known deals
Most people don't know it, but you can save a ton of money by bundling your dental and vision insurance together. That way, you can get the coverage you need, without spending more than you have to. After all, most health plans don't come with decent dental and vision insurance. So, if you're going to be shopping for both of them anyways, you might as well get a deal out of it!