Finding Low Rates for Individual Dental Insurance

While many of us understand the need for regular dental care, a surprisingly large number of people still won’t go to the dentist regularly. Often times, this is a result of concerns about cost. When asked why they haven’t seen a dentist recently, more than a third of individuals reported that this was due to the cost of care.

While dental insurance can reduce these costs, many people have trouble getting a plan that is both affordable and comprehensive. In 2008, nearly 45 million people did not have dental insurance. About 80% of people who had health insurance by working also received dental health benefits. Only 30% of these people also had a dental plan.

As these numbers show, having a good dental insurance plan is directly related to better health. The better your insurance, the less likely you are to experience cavities or more serious problems with your teeth. Even if you don’t have dental insurance because of your employment, you should find an individual plan that will make going to the dentist cost-effective.

Fortunately, you can find individual dental insurance plan policies that can help. However, there are a few key elements to keep in mind before choosing a plan. Otherwise, you may end up with a plan that won’t give you the coverage you need.

If you are already a patient of a particular dentist and are happy to use this type of care, you should choose a plan that he or she will accept. Otherwise, either your new insurance will not save you money or you will have to consult a new dentist. Before you start shopping, talk to your dentist to find out which plans he accepts.

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Consider your personal needs and those of your family when looking for a plan. Are you just looking for insurance for yourself, or are there other members of the household who need insurance? For example, if you have children, you should look for a plan that covers pediatric dentistry.

Additionally, it’s a good idea to consider the future cost of orthodontics when choosing a plan. Chances are at least one of your kids will need braces. More than 80 percent of orthodontic treatment is given to patients under the age of 18. Look for a plan that offers generous benefits for this type of treatment.

Make sure you balance the cost of monthly premiums with your own out-of-pocket liabilities. Many people automatically choose the lowest premium plan, but are shocked to learn how much they have to pay before they even start. It can be beneficial to pay a little more each month so you pay less later.

There are many things to consider when shopping for personal dental insurance. Do not rush and make hasty decisions. That way, you can find a plan that works for you.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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