What's the Best Dental Insurance for You?

Finding the best dental insurance takes a little bit of work.  Since everyone's needs are different, you can just sign up for the same dental plan that your buddy has, or that your co-worker recommended.  Instead, you have to weigh the pros and cons of each plan, and determine which one is the best fit for your needs.

If you're not sure where to start, begin by taking a close look at these 3 popular options:

  1.  Family dental insurance

    When you've got a house full of kids, you're probably convinced that NOTHING out there is particularly affordable!  Luckily, a good family dental insurance plan can fit nicely in your budget. 

    After all, if you don't have some kind of dental insurance, you're going to wind up paying a ton of money when Junior needs braces, when Sally needs a cavity filled, or when Johnny chips a tooth falling off the monkey bars at recess.  And that doesn't even take into account the money you'll have to spend on routine cleanings, check-ups, and x-rays!

    By getting family dental insurance, you can make sure that everyone in your home has the coverage they need.  And, by shopping around for a good plan, you can keep your out-of-pocket costs to a minimum.  It's the best dental insurance option for any busy family!

  2.  An individual dental plan

    Even if you don't have a full house just yet, you still need dental coverage.  Luckily, it's easy to find an individual dental plan that's downright cheap.   By comparing a number of different plans at once, you can see exactly how each one will fit into your budget. 

    As an added benefit, it's easier to find a good individual dental plan that a big family policy, because you only have to worry about one person.  You can find the best dental insurance plan based on what meets your exact needs -- whether you need a lot of dental work or you're one of those people who only heads to the dentist once or twice a year.

  3.  Dental indemnity insurance

    If you're looking for a dental plan that comes with the least number of hassles, a dental indemnity insurance plan might be perfect for you!  Under these plans, there are no approved provider lists, no authorizations required, and no referrals when you want to see a specialist. You can see any dentist you want, anytime you want.

    So, what's the catch?

    When you have dental indemnity insurance, you have to pay your dental costs upfront.  Then, your insurance company reimburses you later, minus any copays, deductibles, or coinsurance amounts.  As long as you're prepared to front the money, this can be the best dental insurance for you -- since you won't have to deal with any of the rules that come with other plans.