Suffering from a terrible tooth ache for not having enough money to pay for dental insurance is a sad reality for many. Preventive care often reduces the need for complicated procedures, but regular exams and regular cleanings often cost a lot if you do not have affordable dental insurance. Fortunately, dental insurance today is less expensive and easier to obtain than people think.
There are two types of coverage. You can get your plan individually or through an employer.
Employer group policies
If you are entitled to receive health insurance benefits, also sign up to receive a dental plan. It is generally available independently of medical insurance and at a lower cost. Many companies even offer dental insurance to their part-time employees. The selection varies depending on each employer. Some offer the benefits immediately, while others have a waiting period of up to a year.
Individual policies are generally more expensive than those offered by employers, because you must pay the full cost. However, they are often worth it. Generally, routine cleanings and exams do not carry a copayment or deductible. If you need to perform an important procedure, such as a root canal (endodontic), the savings will be worth it, despite the monthly premiums you must pay.
There are several ways to find an individual plan. Ask for a quote online. Many websites allow you to compare the policies offered by various providers. If you find it difficult to find a policy yourself, contact a health insurance agent to conduct the search. Dental offices are another excellent resource for finding dental insurance options.
Sometimes, inexpensive dental insurance is not available, especially if your employer does not offer it as a benefit. Discount plans, dental schools, community clinics, and government health care plans are also interesting options.
Consulting the dentist periodically allows you to save money. Preventive care keeps teeth healthy and allows dentists to find problems when they are still mild (and less expensive to correct). This is easily achieved if you have insurance.