Why You Should Consider Private Dental Insurance
If you don’t have private dental insurance through your employer, you may be wondering what sort of private dental insurance best suits people. When shopping for the various individual dental plans, consider the following key features:
No waiting periods: Many individual dental care plans will require that you wait six months to a year before you can have any work done. This is due to the fact that most insurance companies view pre-existing condition as a high risk situation. In order to keep premiums low, insurance providers set up these six months waiting periods. Therefore, if you have a pre-existing condition, this is not likely to be one of your best options.
Few dental providers actually offer waiting periods for their policies. This means that there are those with policies that do not require a waiting period. These individuals are likely going to find that they end up paying quite a bit more than someone with private dental insurance. Therefore, this is something that should be considered.
No coverage for major dental work: Some individual dental insurance policies do not cover work like braces, implants, and so forth. These services are considered cosmetic by most dental insurance companies. So, depending on where you live, your options may not be very great. You may have to settle for less than you otherwise would have. Fortunately, there are plenty of other dental plans that do provide coverage for all sorts of work.
Flexible plan options: One of the best things about private dental insurance plans is that they allow you to choose the plans that meet your needs. There are several different types of plans. For example, there are discount dental plans that offer savings on the cost of the service and also provide additional benefits if certain pre-existing medical conditions are ones that you have. There are also different flexible plan options that can provide maximum benefit coverage.
Out-of-network providers: Some people do not wish to take care of major dental services because they fear that they will be turned down by an out-of-network provider. In order to avoid this, it is very helpful to shop around. The internet has made it possible to locate several different providers in your area that provide the same type of service. By comparing several different quotes, you will be able to determine who will be able to provide the best deal. Just make sure that the quote is reflective of the services that will be received and not simply a cost estimate for one visit.
Annual or bi-annual checkups: Although most dental plans do require some type of annual or bi-annual checkups, there are some that only require once annually. Be sure to note all of these requirements so that you will be fully aware if you are being charged a much higher fee than what other providers offer. Also, be sure to ask about any discounts that may be available for paying by direct debit versus credit. Often times, these plans will offer their customers discounts for paying their bill in full rather than by direct deposit.
Major services: As with most plans, you may be required to pay a co-pay when receiving major dental services. There are some plans that allow for a maximum co-pay amount, which means that you could end up spending more than necessary. There are also deductibles that must be met before seeing the dentist. These are often higher than the amounts that people pay for out-of-network providers. Before accepting a plan, be sure to carefully compare the price of the services you will be receiving along with the deductibles that will need to be paid.