There are more exciting ways to spend an afternoon than to shop for a
dental health plan.
However, if you want the very best care, you're going to have to bite the bullet and find good
So, how do you know if you've found it?
A good dental health plan will come with these 5 things:
1. A long list of approved providers
Virtually every dental insurance policy comes with a list of dentists and specialists that you can go see. As long as you go to someone on the list, you'll be covered. Head to a dentist that's not on the list, and you'll likely be footing the bills all by yourself.
That's why having a good list is so crucial. If your list is too short, you might not be able to find anyone you like. Or, if there aren't enough dentists on the list, it may take forever to actually get an appointment with one of them.
2. A small - or non-existent - deductible
Unlike health insurance plans - which come with large deductibles even on the so-called "good" plans - good dental insurance plans don't require you to pay a ton of money out of your own pocket. Many plans offer $100 deductibles. All it would take would be one trip to the dentist to cover that! Other plans will not have any deductible whatsoever.
Bottom line- if you keep finding dental insurance policies that call for a large deductible, keep looking!
When you've got good dental insurance, it may entitle you to getting other good things - like discounts on your vision insurance or discounts on your prescriptions. That way, you're getting even more bang for your buck.
4. Coverage for the entire family
As they've gotten more and more affordable, individual dental plans have gotten more and more popular. However, there are plenty of great opportunities for family dental insurance, too. That way, you can cover the wife and kids all under one plan - instead of having a handful of individual plans.
As an added benefit, family dental insurance can be much more affordable, per person, than the individual plans!
5. No paperwork
Once you've signed up for a good dental health plan, you don't have to cut through any more red tape. Whether you go to the dentist for a routine check-up or for an emergency procedure, you won't have to fill out a ton of forms for your insurance company. That's because the good dental insurance companies make things as easy for you as possible!