I am sure almost all of you must have insured your home, your health and even your car. But how many of you have insured your teeth?? Hearing it for the first time? And you are with no dental insurance. Well, I am sure most of you think that your medical insurance covers your teeth but in today’s world, it is better to get your teeth insured too and if you are doing it, make sure that you get the best dental insurance because you will have a plenitude of options to choose from.
Why Dental Insurance?
The simple reason being that due to our fast paced lifestyle today, we hardly pay attention to our body let alone our teeth and this will ruin your teeth and cause many problems for your eating lifestyle in the long run. So, it is better to have it covered than to leave it like that pay the big bills later on. So, never go for the cheap dental insurance as they might not be the best one.
What to Consider Before you buy the Dental Insurance?
First of all, dental insurance will try to cover either all or part of your costs of bills that you will face when you go for your dental care. Now, there are a lot of things to consider before you buy the dental insurance.
First, decide on the amount of money you can spend on your dental insurance, then ensure that it covers all the points that you have in mind when looking for your most suited dental plan. Also, how much is dental insurance will differ from company to company but the best ones will definitely give you the major advantages and hence that should be your preferred choices.
What are the Types of Dental Insurance?
There are many types of dental insurance; the major ones come down to three. Depending on whether you want to opt for your dental insurance with your family or your group of friends, the cost and the clause of the dental insurance will vary. Like, the three types of dental insurances that you will hear a lot are:
- Indemnity dental insurance plan: If you wish to start your dental insurance plan with a dentist that is not a part of a huge network of dentists, then this is the plan for you. In this plan, the insurance company will pay a certain amount of your services according to the dental insurance plan you purchased. Also, when going for it, you will have to review certain things like the waiting period, stated deductible, annual limitations and so on and so forth.
- Dental health maintenance Organization (DMO): Some dentist sign a contract with a dental insurance company, then they become a member of an in network of dental insurance companies, and they reduce the cost of the dental services to their customers. This dental insurance plan has little or no waiting plan, and they are the best if budget is your concern.
- Participating Provider Network (PPO): This dental insurance plan is similar to the above mentioned dental insurance plan, but the only difference will be that you can use an out of network dentist or not – participating provider if you wish to do so. But, the difference that will come in the cost will have to be paid by you and the company might not cover it unless stated otherwise in the clause of your dental insurance plan.
Now, after knowing what a dental insurance is and how many type are there, you must be wondering as to which will be the best for you. Well, the best dental insurance companies Delta Dental, Guardian, United Concordia Dental and many others. Delta Dental has been rated 10 on 10 when it comes to providing the best dental care. Also, when you do buy your dental insurance plan, compare dental insurance plans offered by the companies that you have shortlisted so that you don’t regret your decisions later. So, go on and get your teeth covered and protected for the rest of your life for that gorgeous smile.