Going to the dentist can literally be a triple shot of pain. First there is the pain in your tooth. Second, there is the pain of the shot to numb the pain in your tooth. Third, and most painful of all, is the dental bill that you receive for services rendered. If you are a single person, finding an individual insurance dental plan can be a very difficult task when trying to juggle cost and treatments covered. There are a few ways to insure that your individual insurance dental plan is not only cost effective, but also comprehensive for all of the procedures that it will cover.
With so many dental insurance plans to choose from it can be a daunting task to determine which plan is best for you. Most plans pay 100% of the preventive service fees such as a cleaning every six months. Some insurance plans put a cap on the number of treatments or limit the amount paid for a condition. Many plans provide and pay for the insured to go for regular dental check ups. While many health insurance plans – most notably HMOs – may offer only some dental coverage, thus most of your dental needs won’t be covered.
A good plan of action is to look for a discount dental plan. Discount dental plans aren’t actually dental insurance, but they do lower your dental costs by passing the savings on to you. Most discount dental plans provide coverage up to a certain limit each year. Dental insurance falls under two categories, group dental insurance and individual dental insurance.
Group dental insurance plans will cover most of the patient’s requirements such as fees for visits to a dentist, root canal treatment, fillings, and dentures. If someone is self-employed or an employee of a company that does not provide dental insurance, it is often the very expensive to buy an individual dental insurance plan.
To keep costs down, make sure that your plan has all of the preventive necessities and that it covers a moderate amount of treatments. This way, at the end of the year, more than likely all of your dental bills will be less than the premiums that you would have had to have paid if you would have chosen the most comprehensive individual insurance dental plan.
If possible, find a way to enroll in a group dental insurance plan. These are typically cheaper, or paid for by your employer, because the risk is spread around and more members in the group guarantee them additional business. Group dental insurance is more affordable, however if this is not available simply find an affordable individual insurance dental plan and also purchase an affordable supplemental plan to compensate for any emergencies.