Personal Dental Insurance -- 4 Things Yours Should Come With

Whether you're shopping for personal dental insurance or simply wondering if the coverage you've got is the best, there are 4 things that good dental policies come with:

  1. Affordable premiums

    The last thing you need is for your personal dental insurance to put a major strain on your budget.  The truth is, there are plenty of individual dental insurance plans out there that will give you good coverage for the same monthly price as a couple of value meals at your neighborhood fast food joint. 

    Unlike many health insurance plans, dental coverage rates aren't spiraling out of control.  Instead, dental insurance companies are being forced to undercut their competitors -- without sacrificing the quality of their product.

  2. Few exclusions

    As nice as it is to pay tiny personal dental insurance premiums, you don't want your premiums to be so low that they're taking away from the quality of your coverage.

    Unfortunately, some insurance companies offer dirt-cheap premium rates in exchange for dirt-cheap dental coverage.  If you read the fine print, you'll see they exclude everything under the sun -- meaning you won't have coverage for the services and treatments you need.

    Virtually all individual dental insurance plans are going to come with a couple of exclusions.  It's important to make sure you can live with them before you sign on the dotted line.

  3. A long list of approved providers

    No matter what kind of personal dental insurance you get, odds are that it's going to come with a list of dentists and specialists that have been pre-approved by your insurance company.  As long as you go to a dentist on the list, you'll have full access to your benefits.

    But here's where the trouble arises… When your list isn't very long, it can be tough to find a dentist that can see you quickly or even to find a dentist that you like.  The last thing you want is to be stuck with a subpar dentist so that you can take advantage of your coverage!

  4. A vision plan

    Wait… what?!  We're talking about teeth, right?  When did eyes come into play?

    Getting a vision plan to go along with your dental coverage is a great way to save money on both of them.  By getting them from the same company, you'll get to take advantage of loyalty discounts -- meaning that you'll get to pay lower premiums for the same coverage.  That way, you can take some pressure off your wallet without sacrificing your teeth's or your eyes' health!

Looking for the best dental coverage?  It's only a click away -- at www.dentalandvision4u.com!

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California license number: 0C91929. Agent David Reynolds White

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