When looking into dental insurance it is crucial to keep a few points in mind: what is covered by the specific plan, what your family’s needs are, and to search around and be sure you have found the plan that works best for you.
- Full coverage dental insurance plans
- How To Find The Best Dental Insurance For You
- How much do you want to spend?
- How much flexibility do you want in your plan?
- How much coverage do you need?
- Pros And Cons Of Private Dental Insurance
- What is private dental insurance?
- Private dental insurance sounds great– so why doesn’t everyone go this route?
- What are supplemental dental insurance plans?
- What is the best supplemental dental insurance?
- Who can benefit most from a supplemental dental insurance plan?
- How does supplemental dental insurance differ from full coverage dental insurance?
Full coverage dental insurance plans
Full coverage dental insurance plans are one of the more comprehensive options to look into when searching for different options. Full coverage means that it is the most comprehensive in terms of what is being paid, however, it does not necessarily mean that it covers everything. This can be deceiving and thus proves why it is crucial to always read the fine print and know what is included in your specific plan. Most plans cover preventative treatment, i.e. cleanings, x-rays, and regular exams. Typically you will receive two cleanings a year with such a plan. However, your individual plan will determine if everything is covered fully or if you have to pay a percentage of such visits. Be wary of anything advertised as cheap full coverage dental insurance, as it is more likely to mean it is a very basic type of insurance. This is a warning sign to you to really read the fine print of your policy well.
Nevertheless, when looking into different options you need to decide what is your family’s greatest need so that you can find the best dental insurance for you. You want you and your family to have the proper care and treatment so that all of your mouths will be healthy and looking their best. Most often full coverage dental insurance also covers the cost or at least pays a large amount of minor mouth work: such as cavities being filled, root canals and crowns. This treatment is not necessarily covered fully, but a large percentage is covered.
When you are searching for different dental insurance quotes a good place to start is on the web as it’s easily accessible. However, you need to read all the details of the specific provider’s manual and be sure you know what is included in their dental plan. Also, remember that very often on major procedures are not covered, even if you do have so-called full coverage dental insurance. Be aware that full coverage dental insurance is sometimes used synonymously with basic dental coverage. You need to read that fine print in its entirety and be sure you know what’s included in your insurance company’s policy. Remember, as a consumer you need to ask questions and be sure you understand the different points of what is included and what is not, so you are not taken by surprise when you need specific treatment and it’s not covered.
How To Find The Best Dental Insurance For You
Finding the best dental insurance plan for your individual needs is so crucial when looking into different dental plans. With so many confusing options, and misleading terms like “supplemental insurance” or “full coverage dental insurance“, its important that you know exactly what you will be getting from your insurance provider. Before making a decision, to ask yourself a few questions so you can decide what the best dental insurance plan is for you:
- How much do you want to spend on the plan?
- How much flexibility do you want?
- How much coverage do you want?
Once you have answered these three questions you will have a better idea of what the best plan is for you and who has the best dental insurance coverage for you.
How much do you want to spend?
The first factor you must consider is how much money are you willing and able to pay for your insurance. Since most dental plans have premiums that you need to pay monthly you need to take into consideration how much you can afford each month. As you need to be sure you will have the money to cover the premiums or else it is not the best dental insurance for your individual needs if it will put you into debt.
How much flexibility do you want in your plan?
Dental plans differ in the amount of flexibility they have. One part that most typically has some flexibility is in your choice of dentists. You want to know before signing a plan who the dentists are that accept this insurance. You want to be sure you are comfortable with one of the choices. This is crucial because you want you and your family to be comfortable with the dentist who will be working on your teeth unless of course, this does not bother you.
How much coverage do you need?
The last yet perhaps the most important thing to consider before choosing an insurance company and plan is to think about your specific dental needs. If you just need coverage for cleanings and check-ups to keep your teeth healthy then perhaps a basic care coverage plan is good for you. However, if you have tooth problems then you most likely would want to have coverage for major procedures such as root canals, fillings, crowns, etc. Additionally, you need to look into if you should get an individual plan or a family plan If you are single so an individual plan is good, however, if you are a family you want to look into the family plans rather than getting individual dental insurance for each family member.
These are a few important factors to take into consideration and look into when trying to find what is the best dental insurance plan for you.
Pros And Cons Of Private Dental Insurance
What is private dental insurance?
Private dental insurance, also known as personal dental insurance, is a type of insurance that you obtain on your own, rather than one that is provided by your employer. In this agreement between the buyer (you) and the seller (insurance company), it states that the seller agrees to pay a high percentage of the dental needs of the buyer. In other words, if you have a dental procedure done your insurance company will cover the bulk of the cost of the work. Because dental work is so expensive and often uncovered by company plans, many people opt to get insurance privately as this will alleviate much of the costs. You do have to pay a certain amount each month however this is a small investment to ensure that you and your loved ones will have the proper dental care they need.
Typically, those who get private insurance are those who are self-employed or who work for small business that doesn’t have insurance plans for their employees. All sorts of plans are available, from dental and vision insurance combos to cosmetic dentistry packages, to full coverage dental insurance.
Private dental insurance sounds great– so why doesn’t everyone go this route?
The first main problem is the reputation it has of being expensive. It can be on the more expensive side however it really depends on the plan that you choose for you and your family. Because it’s private and you aren’t part of a group the costs are all greater. However, there are different options to look into and you need to see what your family requires.
Additionally, with private dental insurance, there is a limited choice of dentists. Each private insurance company has specific dentists who work within the plan. You can only use these specific dentists. If you don’t yet have a dentist or your dentist is within the network then you can easily choose one of the ones that is on your plan. If however, you already have a dentist who is not in the network, you won’t necessarily save by having the insurance, as the cost is quite high to use a dentist out of the network.
As with all insurance, it is so crucial to really weigh what your individual needs are and what your costs would be with having insurance versus if you were uninsured. Even though for some people the costs of care would be less or comparable to what they are paying if they had insurance, it still could be beneficial to have the insurance for a few reasons. First of all, if suddenly a major dental need comes up you usually aren’t covered for at least three months or sometimes not for a year. Second of all, if you do not have resources to pay out of pocket for a procedure then it could be in your best interest to pay the insurance companies a small amount each month to be covered in such situations. But again, it can not be emphasized enough the importance of figuring out your own individual needs and what the different insurance companies are offering before you decide.
Overall, private insurance is typically shunned because of its reputation for being expensive. Nevertheless, each person must weigh the pros and cons for themselves to see if it is worthwhile for their personal needs.
What are supplemental dental insurance plans?
Supplemental dental insurance is exactly what it sounds like, it is a plan that can supplement your basic dental care plan. Many people who get insurance through work find that their basic plan is not very comprehensive. Without a supplemental plan, they would have to pay hundreds or thousands out of pocket.
However, it’s necessary to understand that supplemental dental insurance providers are not necessarily your typical insurance companies. You need to do research and see who provides for the needs you require. There are some groups and plans like AARP, Medicare, and Aetna, that you can get a dental insurance supplement with. Often another term people use when referring to these plans is discount dental insurance, as it is less expensive than full coverage dental insurance, but not as comprehensive.
What is the best supplemental dental insurance?
That really depends on you and your family’s needs. For instance, consider supplemental dental insurance for braces. If you are a young family with only small children you do not need to get that right now. Additionally, you should check what your basic plan covers and whether the plan allows for two different companies to cover the cost. For instance, sometimes you can have your basic plan through one spouse’s work and then have supplemental dental insurance coverage through the other spouse’s work. This is not beneficial though if there is a clause in one of the plans that it does not allow dual payment.
Who can benefit most from a supplemental dental insurance plan?
Such plans are good for a variety of individuals:
- Self-employed workers — without such a plan they would have to pay for this type of work out of pocket.
- Business owners — those who are looking to offer a plan for their employees can often get great deals for them even with as few as ten employees you can join through a group plan and increase the benefits you offer your employees at a smaller price.
- Someone with great dental needs — if you have basic insurance, however, you and your family’s dental needs are greater than what your primary dental insurance plan provides then getting a supplementary plan can greatly help your budget.
How does supplemental dental insurance differ from full coverage dental insurance?
A full-coverage plan is more likely to be your primary dental plan and typically it is quite comprehensive, although you have to do your research to see if it really does cover the type of dental work you need. And then depending on what is covered you would look into supplemental insurance or a discount dental plan to fill in the gaps of what your full coverage plan does not cover.
When considering what company to go with, make sure to look at a local level as well as national level. You might be able to find the least expensive supplemental dental insurance in your state or city as opposed to from a major insurance company. Depending on the area you live in, the costs will vary tremendously, so do some serious research before deciding if local or national is the right way to go.