Save Your Money With Affordable Dental Insurance Plans

Oral health is closely associated with your medical health and poor dental health can directly put a negative impact on other body parts. Many gum and oral disease when not healed properly, can lead to serious ailments. Not everyone can afford a frequent visit to a dentist for dental care. In the past few years, the fees for dental care increased twice due to the rate of inflation. Dental insurance can be the most apparent and worthiest choice of patients when it comes to beat the expensive cost of dental care. Nowadays, many affordable dental plans can be availed at low monthly or annual premiums.

In general, cheap dental plans have no restrictions and waiting periods. Low-cost dental insurance plan is a decisive household expense, which is very essential for overall security of your health and budget. Popular and trustworthy dental companies aim at providing top-notch dental insurance for complete care of your family. Many reputed companies offer a broad assortment of dental care plans that can probably meet your requisites and budget. Every package of dental insurance comes with unique attributes and this can vary from one plan to the other.

Exploration of affordable dental plan available in the market is no more a hectic job. In the current era, most people are suffering from severe dental problems. Right now, patients can easily get low-cost dental insurance that intend to cover every basic requisite of dental care. There have been sudden alterations in health care system that makes dental insurance plan for your family more reasonable. When scouring online sites for comparing prices of dental insurance, you probably look for great flexibility in price. Online comparison of insurance plan gives you an ability to choose a package that best suits your requisite.

Sometimes, it becomes quite intricate for a person to scour for an affordable stand alone insurance plan for dental care. In such a situation, it is always worthy to go for a complete package that provides health, revelation and dental care together. Dental care is just the right option for individuals willing to get benefits that are not proffered by employers. When you consider purchasing a dental plan, it is very imperative to confirm that your insurance coverage is flexible and has diversity. An affordable dental insurance plan can help you save a huge cost levied unnecessary on expensive dental check-ups.

Dental insurance coverage normally works in the same manner as other insurance plans in which the insured person is required to pay a fixed cost every month. In return of monthly payments, insurance company bears all the expenses incurred from dental check-ups. Buying affordable dental insurance plan in one go can be little confusing for a person, as it is available in different grades and levels. Choosing a basic package that offers restricted coverage can be inadequate for maintaining a healthy smile for your family. So, you must go for a well-rounded dental coverage that involves all the preventive cares, crowns and dentures.

How to Find the Best Individual Dental Insurance Policy

If you have health insurance through your employer there is a very good chance that you also have access to a dental plan. According to an article on businessinsurance.com dated June 9, 2010 80% of employees with health insurance coverage also have dental. But 70% of consumers that buy their own health insurance do not have dental coverage. And just as dental insurance is the number one requested benefit among employees, many individual consumers are actively looking for a good dental insurance plan.

And that brings us to the key question: how do you know if a dental plan is a good buy? In today’s marketplace there are a wide variety of dental plans available. The costs for the various dental plans are range from amazingly inexpensive to too expensive to make any sense. Follow these tips and you will get a dental insurance plan that actually makes sense.

Discount Dental Plans: These are generally the least expensive in terms of premium but can turn out to be the most expensive in terms of benefits. Before buying a discount dental plan, make sure that there are a large enough number of providers in your geographic area. Even more important make sure that your dentist is one of them. If you dentist is not one of the participating dentists are you willing to change dentists? You will also want to get a list of the discount for cleanings and exams since this is the area of a dental plan that gets the most use.

HMO/PPO Dental: These dental insurance plans offer a network of participating dentists who have agreed to accept the insurance company’s payment for specific services. While the coverage is generally excellent you will have to use one of the participating dentists so just like the discount plans you want to make sure that you dentist is on the network or at least that there is strong network in your area. The PPO dental insurance plan will provide reduced benefits for going out of network. Before buying this type of insurance you should know whether you will generally be out of network and what those benefits are.

Indemnity Dental: This is the most popular form of dental insurance because it allows you to go to any dentist. These plans pay benefits based on what is reasonable and customary for your area. If your dentist charges more than the insurance company considers reasonable you will have to pay the difference. As a general rule this difference is not going to be a lot of money since 80% or 90% of the dentists will fall into this category.

Is it a good buy?

If you are going to buy dental insurance the first question to ask yourself is this: do I get my teeth cleaned twice per year? If not will I make a commitment to get my teeth cleaned twice per year? If your answer to these questions is “no” you should not buy dental insurance. If your answer is “yes” then dental insurance is probably a good buy. As of October 2011 a cleaning at my dentist costs $118. A set of bitewing x-rays once per year costs $60. Since I get my teeth cleaned twice per year I am going to spend $296. As a general rule if you get back 75% of your annual premium in cleanings and exams then dental insurance is good buy. In this example if your dental insurance cost was $390 or less it would be a good buy. Since your dentist is likely to increase his fees each year you can expect that your dental premium will increase as well. If your use each year equals 75% of the premium or better it pays to keep your plan.

Look for a plan that provides 100% coverage for preventative and diagnostic care without an annual deductible. You will also want a plan that provides coverage for fillings, extractions and larger expenses such as crowns and root canals. In my opinion a plan with a graded benefit is better than a plan with a waiting period for these additional benefits since it provides immediate coverage and you never know what can happen. If you are likely to recoup 75% of your investment with routine cleanings and exams than any benefit above that makes the plan even better financially.

Cheap and Premium Full Coverage Dental Insurance

You may ask – what’s the difference between dental insurance and dental plans? They are both some form of pre-payment plan for future dental treatments with several differences. These are:

• A dental plan has less paperwork
• A dental plan does not leave a question on whether you will get reimbursed for the amount you are claiming
• A dental plan will not bother you with long processing procedures

There are also some similarities such as:

• A dental insurance and dental plans will both give discounts on treatments
• A dental insurance and dental plans will both allow you to choose a dentist from the list provided
• Both also have simple and quick approval process

The next question in your mind should then be which one to choose – dental plans or dental insurance. It would appear that the dental plans are more advantageous, but the only person who can help you decide is your dentist. Go have a check up and ask your dentist what procedures he thinks you need to have done within the year or two. Based on his assessment, then you can make a decision.

Choose a dental plan, of which there are many types, if you will not be needing major operations. If you do, then you need to get the full coverage dental insurance. Full coverage dental insurance has one major difference – it’s a lot more expensive, but not if you will be needing a major dental treatment down the road.

Otherwise, why not get a premium dental plan? This will allow you to save up for the treatments without feeling the money going out of your wallet. This is because you will be paying monthly a minimum amount, and when the time comes for that needed dental treatment, your premium dental plan will be more than adequate to cover your dental expenses. If money is the reason why you avoid getting insurance, then you can opt for a cheaper policy instead of the full coverage dental insurance. Naturally, what all insurance companies and their agents will try to foist on you will be the full coverage, if you insist on learning more about the cheap insurance, you will get the answers you need.

There are many insurance companies and agents that will go out of their way to get your account. To do this, they will do their best to customize a cheap dental insurance plan that you can afford. Finding these agents can be done by calling up insurance companies or brokers. On the other hand, you can save if you go directly with the insurance companies. Most reputable insurance companies are available online. They have their own websites which you can visit to get all the important information you need.

What you also have to concern yourself, aside from the monthly payments, would be the reputation of the insurance company. It would be better to pay a little more to a well established insurance company than to put your money on an insurance company that has no solid financial structure, and no verifiable credentials to show you. Even if you see accreditation logos on the websites, make sure to click on it to see if it opens up a link. Some logos are just there for show, and will not link you up to the site.

Think seriously about dental insurance because you will need it for dental treatments, and all of us are vulnerable to teeth and gum problems. It may not happen today, or next week, but it will happen. Being prepared for the inevitable is good financial planning, and cheap dental insurance is one way to do it.