If you own your own business, are self-employed or work for a company with a poor insurance plan, you may want to look into individual dental insurance plans. Having some sort of dental insurance is crucial in case you need to have any emergency dental work done. If you’ve ever had a toothache or a bad cavity, you know just how painful dental problems can potentially be. And dental work is expensive; even routine cleanings and exams add up quickly and can come up unexpectedly. This is why it is so important to have some kind of insurance to protect you and your family.
There are many different types of Individual Dental Insurance plan’s and what they will cover. First you have the best of the best, Indemnity which allows you to see anyone, anywhere and the coverage is at its fullest, however paying a small deductible to be seen. The provider usually is always able to cover the rest of any amount left over once the deductible has been payed. Second is PPO, this is some what similar to the Indemnity however Dentists are usually assigned to the network you are in. If you wish to see someone Out of Network while on a PPO plan, Insurance will not pay any or if they do it will be a very small percentage.
Shopping for insurance can be a daunting task. You don’t know where to start, what companies are reputable or what you should be paying. The key is shopping around and asking friends and family members for good recommendations. It may take a little work, but you can find individual dental insurance plans for as little as a few dollars a month. It’s a small price to pay for the peace of mind that comes with knowing you’re insured.
Do your homework when choosing a policy. It is easy to run a search online and see what other customers have to say about different insurance companies and their plans. Look for positive reviews from folks who have used the company before and had success. You want an insurer that pays claims quickly and without hassle. You should also check into what is included in your policy; most allow for at least two cleanings per year along with regular dental x-rays. Knowing what is included in your police will also help you remember to schedule regular dental work around the allowed schedule. Sticking to the schedule will maximize your chances for optimal dental health.
Finally, when looking for a new insurance provider you should check to find out how many doctors and dentists are availabel in your area. You may want to choose one provider over another based on how close the dentist is to your home or work. Also, if you have a family, you make want to check for a dentist that specializes in children. Also consider what services you may need in the future, such as the need for an orthodontist. Check to see if those kinds of additional services are included in your coverage. By taking your time and putting in a little bit of work, you’ll be able to find the individual dental plan that’s right for you!
