KEY
POINTS
-
Dental insurance is slightly different than most dental plans since you most likely have to get it through your employer. Dental Insurance is not usually offered to individuals and is instead offered to major companies.
-
Having full coverage dental insurance can help with preventative care, restorative care and even orthodontic treatment. However, you will still have to pay a portion of those costs.
-
Most people who cannot afford dental insurance get involved with dental plans, some of which are quite cheap. These plans are less like insurance and more as though you are just getting discount on your dental work.
Don’t wait until you already have problems with your teeth to get dental insurance! Instead, you should get dental insurance as soon as you can. One reason for this involves the things that can go wrong with your teeth – and the other reason is that usually this insurance may also cover the costs of bi-yearly checkups to make sure that your teeth are still strong and healthy.
How Can I Get Dental Insurance?
Dental insurance is slightly different than most dental plans since you will have to get it through your employer. Dental insurance is not usually offered to individuals and is instead offered to major companies. If you are offered this insurance through your employer, then you should take it since it will be either free or very cheap and is definitely worth it if you can get it.
That being said, there are some disadvantages to dental insurance:
- It is not generally available to regular people unless they can get it through their employers.
- Generally, this insurance will not cover all types of dental work.
- It also usually has a spending limit per year.
Therefore, if you do not already have dental insurance through your job, then you should look for a different type of dental plan.
What is Full Coverage Dental Insurance?
Full coverage dental insurance essentially means that you may be receiving coverage and gaining benefits from all different types of treatments and procedures. It is important to understand that full coverage still means that there will be some cost to pay but can help reduce those costs. Having full coverage can help with preventative care, restorative care, and even orthodontic treatment. Some of the coverage for costly things include:
- Implants
- Root canals
- Regular cleanings
- Regular oral exams and x-rays
Many dental plans go above and beyond with coverage, some of them include Dental PPO, Dental HMO, Dental EOP and Dental POS. They provide full coverage as well as a wide range of services and treatments needed, each plan may differ in costs and limitations.
What If I Can’t Afford Dental Insurance?
Most people who cannot afford dental insurance get involved with dental plans, some of which are quite cheap. These plans also tend to cover part of your dental costs, instead of all of them. Therefore, these plans are less like insurance and more as though you are just getting a discount on your dental work.
Finally, another thing to consider is that if you have dental insurance from your employer and you’re looking for something to cover everything else, a discount dental plan may help. Some people find that it is best to have both plans just in case.
In any case, dental insurance is a great deal if you can get it for free through your employer, though it is not a very good purchase to make on your own. Also, before buying any dental insurance, make sure that you find out how much and what is covered by the plan.
Sources: