Whether you're self-employed, can't get dental insurance through your company, or just aren't very impressed with the dental insurance that your company is offering, individual dental insurance can help. In fact, it is a great way to get access to the dental work you need - without spending a ton of money.
But before you start searching all over the world wide web for the right coverage, you have to be armed with information. Before you pick a specific dental policy, you need to know these 3 things:
1. Getting dental insurance for individuals is very common
Since many health insurance plans out there don't make any provisions for your teeth, individual dental insurance is something that's really in demand. A quick search online can help you turn up a number of companies that can offer you the coverage you need - with monthly premiums that won't break the bank. In fact, dental insurance for individuals is such a popular item that many companies will offer full coverage for just a few dollars per month. Considering that even just a routine cleaning (without the x-rays) can cost you more than $100, that's quite a bargain!
2. Some dental insurance companies are more well-known than others
While there are dozens of insurance companies out there that can offer you dental coverage, some of them are bigger and more well-known that others.
But if you're getting a cheap rate, why does it matter?
Working with the biggest companies - like getting Delta Dental individual coverage - can allow you to take advantage of perks that you can't get with smaller companies. Since Delta Dental has such a big presence all over the country, they have agreements with tons of dentists - meaning that having Delta Dental individual coverage gives you the power to choose from a bigger selection of dentists.
Luckily, though, in most cases, you don't have to pay for that extra convenience. In fact, getting an individual dental insurance plan from one of the big companies can even wind up being cheaper!
3. A family dental plan may be much cheaper
If you're single without any kids, individual dental insurance is certainly affordable. However, if you have a family, a family dental plan may be a much more cost-effective route to take. Many insurance companies offer "bulk" discounts, so if you sign up your wife and kids for coverage, you'll get to take advantage of lower monthly premiums.