Budget Friendly Choices
Choosing affordable dental insurance can be a big decision for you. This is like choosing a dentist that you will be committed to in the next years of your life. You should be able to trust your insurance provider and they need to be transparent with their policies.
In choosing a dentist, one or two scheduled appointments can help you decide if he is the right fit for you. In terms of dental insurance, you won’t really know what problems may arise until you need the coverage. This is why in choosing affordable dental insurance, you should do your research before committing to any company in the dental insurance industry.
Keep in mind that dental insurance is all about preventive treatment. Most plans have high percentages of coverage for the basic services like cleanings, x-rays, check-ups, and fillings. Full coverage dental insurance can cover up to approximately 50% of the more costly and complex treatments such as root canals, crowns, and oral surgery. Usually you have to be a member for at least a year in order for the major procedures to be covered. There are a handful of plans that have no waiting period on major dental procedures.
An affordable dental insurance plan usually costs around $350 - $500 in a year. According to the American Dental Association, the average person can pay out of pocket costs of $375 - $400 for basic services. This means that in the first year you are basically pre-paying for your basic dental services. But if you have a full coverage affordable dental insurance plan, in the second year you could potentially save thousands of dollars.
Deductibles, Coinsurance, and Limits
Most dental insurance plans usually have caps of up to $1,500 a year. This means that if you reach your limit, you will be paying for your further visits to the dentist for the rest of the year out of your own pocket. A root canal and crown can cost $1500.00. This means that you can fairly exhaust your cap quickly if you have an unhealthy tooth. Try to find a plan that has $2,000 or more in annual limits to make sure you have enough coverage when the unexpected root canal inevitably happens.
Most dental insurance also has a deductible. This means that you should pay a certain amount first before getting reimbursed. The typical deductible is between $50-$100 per year, per member.
The search for an affordable dental insurance plan that provides comprehensive coverage starts with an independent insurance agency. This is the best way to see all of the best options in your area from different insurance companies. Since there is no extra cost to use an insurance agent or agency to help you navigate the search, you can make sure that you choose the right insurance company. Going directly to an insurance company will limit your options and provide you with bias information based on their interest.
Alternatively, there are also discount dental plans available that can be a good fit for certain circumstances. Some dental discount plans have no waiting periods, no limits, and no deductibles. This allows you to instantly save on your dental care. However, these plans are not insurance and do not pay any cash benefits toward your dental bills. They only discount your dental care based on the procedure.