Dental coverage is one of the more affordable types of insurance that you can invest in. This type of coverage can also be a big money saver. Many people invest in dental insurance simply for the discounts that it offers and use the insurance plan almost as if it was a coupon book. There are more extensive dental insurance policies available as well so you will need to determine which type of dental coverage works for you.
The Cost of Dental Insurance
Dental insurance will vary in price for premiums dramatically depending on the coverage that you have. If you only want minimal coverage then you can find dental insurance plans for $5 to $10 per month. HMO dental insurance is the most common type of dental coverage that fits within this price range. If you budget a bit higher, likely in the $10 to $15 per month range, you can receive partial or full discounts on dental work. Typically, routine work will be free and non-routine work will have some discount but this will vary depending on the specifics of the policy.
Increasing your budget for dental insurance to $20 to $25 per month will allow you to get coverage with an indemnity plan. Unlike many other dental coverage plans, you will not be required to visit a certain dentist for dental work to get the discounted work. With the indemnity plan you will receive discounted dental work from any dentist of your choosing. The discount for dental work through an indemnity dental plan is usually in the 60% to 80% off range. As with any type of dental coverage, there will be a limit to what type of dental work is covered with the indemnity plan so you will need to check this out.
PPO (preferred provider organization) dental plans are another good choice of dental coverage to invest in. You should expect to pay over $20 per month for this type of coverage. You will also be required to use a dentist on the preferred provider list to be eligible for the discount to maximize your benefits. By going to a dentist in the PPO network you will get major discounts. If you visit a dentist that is not in the network then you will still receive some discounts but they will not be anywhere near as much.
How to Obtain Dental Insurance Quotes
If you are looking to invest in dental insurance then it is highly recommended that you obtain some dental insurance quotes beforehand. This will give you a better idea on how much you will have to pay for the coverage. Before getting quotes you will need to decide what type of coverage you need then look for quotes for a dental insurance policy that offers that coverage.
There are many methods for obtaining dental insurance quotes. You could go through an insurance broker or agent, contact the dental insurance company directly, or request a quote through the insurance provider’s web site. There are also some web sites that provide quotes for numerous dental insurance plans at once. Make sure you factor in the coverage you desire when obtaining quotes so you can get the most accurate and useful results possible. Once you obtain a number of dental insurance quotes you can compare them to decide which plan you should invest in.
Dental insurance can save you quite a bit of money in both the short term and long term. Just a few visits to the dentist can more than pay back all you have spent in premiums. While the coverage will most likely not pay your dentist bill in full it does pay a considerable amount of it. To close, with the significant discounts that are experienced with dental coverage, it is highly recommended that you get some dental insurance quotes and find a plan for you.