Dental Insurance, How to get one?
Because of the importance of your teeth – and the corresponding cost of dental care – securing dental insurance is usually a cost-effective move. For most people, there are two viable options: either purchase a private dental plan that is separate from a general health coverage plan, or opt for an inclusive plan that delivers a single monthly premium for both your general health care plan and dental coverage. In the former, you would pay two separate premiums.
Things to Consider before Buying an Individual Dental Insurance Plan
Before you sign up for a plan, keep in mind that the greatest cost savings come with securing a family insurance plan for oral health – which comes with lower deductibles and premiums, and lesser overall out-of-pocket costs. However, this only translates to greater savings if you have a full household; otherwise, a single plan is your best bet.
If you’re in the market for a single plan, you can still take advantage of savings by going the non-traditional route. For example, there’s indemnity insurance; which is offered through your run-of-the-mill insurance company instead of a healthcare insurance facility. Depending on the specific insurance company you sign up with, you can gain some benefits from a single plan that would not be available with a family full-coverage option.
Marketplace Healthcare Plans
Marketplace plans are government-sponsored healthcare plans, and they cover oral health only for children under the age of 18. As an adult, you can still add dental to an otherwise comprehensive Marketplace healthcare plan, and thereby consolidate your monthly premiums into a single payment.
The first step to take is to head to the healthcare.gov government website and enter the state you’re in. You’ll be directed to a Marketplace application, which will provide you with options for additional dental coverage – only basic medical care is provided in the no frills plan available to anyone who signs up and is eligible. One of the main reasons why you might want a private insurance plan to cover your oral health is that you cannot purchase a stand-alone dental plan from the Marketplace; a healthcare plan is also required.
Obtaining a Private Dental Plan
One of the more common ways to secure a plan to cover your oral health is through your employer. The process is very straightforward, and often requires you do nothing; it comes as one of the terms of the job. However, if this isn’t the case, then there are organizations such as Costco (the super-store) and AARP (generally, for older people) that provide low-cost group dental plans as well as individual coverage – the terms can vary by state, so check with your specific locale for details.
Of course, given the ubiquity of the Internet in your daily life, you can discover almost any information you need on dental plans through a Web search. There are discount plans that supplant dental insurance and open you up to groups of dentists that have lower fees than average for certain procedures.
The fee you pay is generally required once per year instead of any monthly premiums, and can be substantially less than the yearly sum of regular private insurance. You have to keep in mind that there are different services covered under different plans, so peruse the paperwork carefully before making your decision.