We all like something cheap, don’t we? Most consumers will not hesitate to shop around for the cheapest bargain they can find and this is no different when it comes to something like getting an insurance plan. However, the old saying of “nothing good comes cheap” holds true for most things and this is also applicable with insurance plans specifically dental insurance plans.
Dental insurance plans are a dime a dozen and a quick search on google would show more than 12 million search results. The question everyone should bear in mind when considering a dental insurance plan is “Should I go for the cheapest plan available or should I go for the most reliable plan?” Naturally, getting the cheapest dental insurance policy might save you a lot of money at the outset as well as during annual renewals of your insurance. However, you might end up having to pay more at a later stage when a claim is put forth to the insurance company.
Consumers are advised to scrutinise their dental insurance plan on what is exactly covered by the plan. One question you should ask your insurance broker or agent is “Does it cover pre-existing conditions?”. Most plans do not cover pre-existing medical conditions. Some may impose a one-year period where any pre-existing medical conditions are excluded during the said period.
Find out whether the dental insurance plan specifies the type of clinic, hospital or medical centres where claims will be honoured. Some insurance companies impose a restriction on the places where a medical treatment for dental problems may be sought. So, be familiar with it as you would not want to go to a clinic to have a dental problem treated and thereafter, realise that you cannot make a claim as the treatment in the said clinic is not an authorised clinic. This also applies to the choice of dentists who are authorised to conduct treatments as defined in the dental insurance policy.
Next, ask for recommendations from your friends or relatives who have purchased and made a claim under their dental insurance plan. Their testimony would be helpful to you in deciding which insurance company you should purchase your dental insurance from.
Of all health care costs, dental expenses are the most expensive and hence, you need protection against dental costs if you do not want to end up in a dental debt. Dental insurance plans work almost just like any medical insurance plan.
You have to make your premium payments every month regularly and in return, you will receive dental care including regular checkups, x-rays and cleaning. The policy will also cover any other procedures required for the health of your gums and teeth.
Now, there will be a variety of treatment choices that different dental insurance plans will and will not cover and depending on that, the costs will also vary. It is simple to understand that a costlier policy will offer you much more benefits while also allowing you to access many more services compared to other cheaper plans.
The cheaper plans will be limited in their offer and you might be even required to pay partially for your dental procedures.
Therefore, if you believe that you are going to need oral implants, dental surgery or that you will need to consult an orthodontist and require other expensive treatment options, then you should select a plan that is more comprehensive.
Children naturally are frequent visitors to the dentist and right until they reach and pass their teen years, you can expect their orthodontist’s bills to shoot up the sky. As a result, you can opt to go for dental insurance only for your children.
You can verify this with the insurance company. Some insurance companies offer dental insurance plans for only children. However, most insurance companies will offer your children dental insurance only as a part of your dental insurance. As a result, if you do not have dental insurance, then you will have to take one.
You can also take a type of card for dental discounts. This is different from a traditional dental insurance plan. However, this card provides you enough discounts on your dental treatments when you need to use it.
If dental insurance sounds too expensive to you then this can work as a cheaper option. It will give you limited protection against any dental costs. Their popularity is growing.
However, all insurance companies do not offer such a card. Hence, you will have to look around a bit before you can find one.
It is always better to shop around a bit before deciding on such a big investment. After all, dental insurance is a considerable expense and it will help if you are able to save some on it.