Many employers provide health insurance to workers, but generally do so only if the worker is a full-time employee. Part-time employees or those who work as a contractor or freelance may have to purchase their own low cost dental coverage instead. Just because a plan is low in cost doesn't mean that it should be shoddy coverage. Here is what you can expect from a plan, and what to look for.
There are two main types of dental coverage: family and individual. If you are single and not pregnant, then the individual plan is right for you. If you have a family, then the family plan is the one you want to go with. Keep in mind that you can always change from an individual to a family plan later if your situation changes, though your premiums will obviously go up.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
There may also be limits to how much the plan will cover each year, along with a lifetime maximum. Your plan may pay $100,000 per year, but with a lifetime maximum of $500,000 or something along those lines. Each plan is different, so make sure you check for the limits and maximums. If they are too low, you may want to look for another form of coverage.
Not all coverage includes surgeries and orthodontics, so be sure to read the fine print. This is especially true if you have kids, because many kids may need orthodontia like braces in order to straighten out their teeth. Surgeries, even minor ones like removal of wisdom teeth, can be quite expensive when paid out of pocket, so be sure you are covered.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
There are two main types of dental coverage: family and individual. If you are single and not pregnant, then the individual plan is right for you. If you have a family, then the family plan is the one you want to go with. Keep in mind that you can always change from an individual to a family plan later if your situation changes, though your premiums will obviously go up.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
There may also be limits to how much the plan will cover each year, along with a lifetime maximum. Your plan may pay $100,000 per year, but with a lifetime maximum of $500,000 or something along those lines. Each plan is different, so make sure you check for the limits and maximums. If they are too low, you may want to look for another form of coverage.
Not all coverage includes surgeries and orthodontics, so be sure to read the fine print. This is especially true if you have kids, because many kids may need orthodontia like braces in order to straighten out their teeth. Surgeries, even minor ones like removal of wisdom teeth, can be quite expensive when paid out of pocket, so be sure you are covered.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
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