How to Tell If You’ve Really Got Affordable Dental Insurance

August 31, 2012 | Author: | Posted in Insurance

Spend some time shopping for dental insurance, and you’ll see that practically everyone says they’ve got the most affordable dental coverage. But instead of falling victim to good sales copy, you need to make sure that your dental health insurance plan REALLY is affordable before you sign on the dotted line.
Here’s how you can tell:

1. You’ve got more than just cheap premiums

Sure, it’s nice to write a teeny-tiny check every month, but what kind of dental plan insurance are you getting in return for those dirt-cheap premiums?

In many cases, insurance companies have to cut some corners in order to make their bottom line work off of your small premiums. As a result, you might wind up with higher deductibles, more copays, or a higher out of pocket maximum — meaning you’ll actually wind up spending more money in the end!

If you really want to see if you’ve got affordable dental insurance, you’ve got to look at a whole lot more than just the monthly premium payments. Instead, you should be looking for plans that are affordable from top to bottom. Sometimes, getting the most cost-effective dental health insurance plan means paying a few extra dollars in premiums. But spending a couple of extra bucks every month is much better than getting an expensive surprise later!

2. You’re entitled to free preventative coverage

Getting rid of free preventative coverage — like free annual exams, x-rays, and cleanings — is one of the corners that insurance companies tend to cut when you’re paying dirt-cheap premiums.

Whether you’re shopping for family dental insurance or an individual plan, it’s important to see things from the insurance company’s perspective. It’s in their best interest to give you free preventative coverage, because it means that your dentist is more likely to find issues sooner rather than later.

That means your insurance company can pay for minor treatments — instead of major procedures because the problem wasn’t caught early.

As a result, most of the good dental plan insurance out there offers free preventative coverage, so don’t settle for anything less!

3. Your policy doesn’t come with a ton of exclusions
Whether you’re getting an individual policy or family dental insurance, it’s going to come with exclusions — or, things that aren’t covered. It’s totally normal to have a few exclusions. However, the more exclusions you have, the less affordable your dental plan insurance is!
After all, if something’s excluded, you’re going to have to pay for it all by yourself. If you wind up paying for a ton of things out of your own pocket, that’s definitely not affordable!

You can find affordable dental coverage from top to bottom on www.dentalforeveryone.com!

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