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How To Choose Individual Dental Insurance

June 3, 2011 by  
Filed under Finance

Your dental health is an important part of your overall health, and should not be neglected. Having good dental insurance can help ease your mind when you or a family member has a dental emergency. But dental insurance is notorious for having a lot of limitations, and costing a lot of extra money. If you are interested in having dental insurance for your family, and you are considering individual dental insurance, it is important that you learn as much as you can before signing a contract. Otherwise, you could be in for a lot of headaches, and extra expenses.

Dental insurance is similar to medical insurance in that you pay a monthly premium, and you are then permitted certain benefits. Where medical insurance is largely used for and geared toward taking care of people when they have an ailment, dental insurance is the opposite. Most of the premium benefits of dental insurance come in the preventative care aspect. Insurance companies often cover things such as examinations, bi-annual cleanings, and x-rays 100%, where other treatments are only partially covered. Many restorative, corrective, and emergency procedures are sometimes only covered by as little as 50%, leaving the customer to foot the remainder of the bill. This is why it pays to take advantage of the preventative care benefits that are offered with a dental insurance plan, on order to avoid hefty bills for emergency treatments later on.

If you work for a company that offer a group dental insurance plan, then you can receive benefits at a discounted rate which is based on the number of employees in your company. You might also have a few plan options, with greater benefits, or lesser benefits, depending on what you are willing to pay. You monthly premiums will also be deducted from your paycheck, so you do not have to worry about paying the insurance company directly for your coverage.

If you do not have the work-related option, and you want to invest in dental insurance for you and your family members, you can enroll in one of many individual dental insurance plans available. Depending on the individual dental insurance plan you choose and the plan options and limitations, the costs can vary. While you might see a discount that is based on the number of participants in the plan, the cost will likely be higher than with a group plan.

When trying to decide on an individual dental insurance plan, your research is key. The more you educate yourself on the different insurance companies and the dental plans that they offer, the better your benefits will be and the more money you will save in the long run. You can consult your regular dentist – if you have one – for recommendations of good individual dental insurance plans. And you can use the Internet as a research tool. The Internet can be a valuable resource that you can turn to for wading through different plans and their options, limitations, and costs. This will help you make a wiser decision on a plan that will suit you and your family’s needs better, and help to avoid confusion if there were a dental emergency in the future.

There are a few things to remember that apply to any kind of dental insurance, whether individual or group. Most dental plans only cover a portion of many of the more expensive procedures and treatments. That will cost you more money out of pocket. Also, going to a dentist that is not on your plan will probably result in discrepancies between the amount that the insurance company will cover and what the dentist charges for the service, meaning a bill for you to pay above your monthly premium. Therefore, if you have a dentist that you really like, try to find a plan that has him or her on the provider list to avoid most of the extra costs.

Individual dental insurance doesn’t have to cost you a fortune. And it is important that you and your family receive the preventative dental care they need in order to avoid expensive and painful procedures in the future. With careful planning and research, you can find an individual dental insurance plan to fit your needs and your budget.

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