Does your family need dental insurance? Out of pocket trips to the dentist can cost a fortune between root canals, cleanings, and fillings. A healthy family needs dental coverage for routine exams to practice good oral health.
About 170 million Americans have dental insurance, according to America’s Health Insurance Plans. Are you looking for a plan to suit the needs of your family? Do you want the best coverage for healthy teeth?
Here are 5 tips for shopping for dental insurance.
1. Shop for Dental Insurance Online
Shopping for dental insurance online allows seeing who offers family plans and their prices. You can compare premiums and even get quotes for family insurance.
Each company will also tell what they include in their dental coverage and what might not be covered. Shopping online also means there’s no pressure from an agent.
The online process is also convenient. You can do it at your timing and your own pace as you look for a family dentist.
2. Talk With Your Employer
Talking with your employer could save you money on dental coverage. Many employers already offer family plans, and joining their insurance coverage can save you money.
However, your employer may not be the best option because your dentist may not be in the same network.
3. Consider Your Budget
Consider your budget and how much you want to spend on dental coverage. A lot may depend on the age of your children and if your family has a history of dental problems.
Out of pocket dental plans can cost as low as $15 per month but can become costly once visits accumulate. Self-employed individuals should check with their local chamber of commerce to see if they offer a group plan. Other professional organizations offer similar group plans.
Family plans also vary depending on the size of your family. It would be best if you also considered premiums and deductibles.
4. Find Out What Insurance Will Cover
Will the kids need braces? Will your need a dental implant? What about crowns?
Having healthy teeth also might mean cosmetic and restorative dentistry. Your insurance may not cover those items.
Ask the insurance company for a list of what is and what is not covered. For example, find out how often the insurance company will cover routine cleanings and preventative care. What about if you need x-rays?
5. Ask Friends and Family
Ask your family and friends about who they are using for dental coverage.
Talking with them about family insurance and family plans can sometimes help you make a better decision. You likely trust them and their decisions! They can also their advice on making sure their family has healthy teeth with good dental coverage.
Tips on Shopping for Dental Coverage
Shopping for dental coverage online, talking with your employer, and considering your budget are all ways to get the best family insurance. Finding out what is (and is not) covered and asking family and friends are also good tips when shopping for dental coverage.
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