If you want to avoid fillings, root canals, and implants, you need to take care of your teeth. Unlike sharks, people cannot just grow a new tooth when one goes bad. While brushing and flossing are key, you also need to see a good dentist regularly for cleanings and X-rays.
Unfortunately, many people avoid going to the dentist due to the cost of care. While dental insurance can help, finding affordable dental insurance is often difficult. Fortunately, there are plans out there that can help pay for the cost of any needed dental work.
Many of the same tips that apply to shopping for other forms of insurance apply equally well to dental insurance. In the United States, health insurance and dental insurance have traditionally been sold separately. This can make it difficult for some people to afford both.
Shopping around is often the best place to start. There are sites you can use to get quotes from multiple insurers so that you can compare these offers side by side. All you need to do is enter some basic information about yourself, such as your age, gender, and income. You can then get instant quotes from different companies in your area.
If you are having difficulty affording the monthly premiums for dental insurance, increasing your deductible will help make these payments more affordable. In general, a higher deductible means lower premiums because more of the cost is shifted onto your shoulders.
If you have healthy teeth and primarily see the dentist for cleanings, a higher deductible may be worthwhile. Most dental insurance policies cover virtually all of the cost of basic preventative care, so having a higher deductible will not end up costing you a lot more.
However, if you are going to need a lot of expensive care, such as root canals, implants, or orthodontia, a higher deductible plan is just going to cost you more. This is because you will have to pay more before your insurance kicks in. If you find yourself in such a situation, paying higher monthly premiums will usually end up saving you more in the long run.
Make sure that any dentist you see belongs to your insurance company's network. Otherwise, you will have to pay quite a bit more for care. Check before you schedule your first appointment so that you do not end up with a nasty surprise on your bill.
Finding affordable dental insurance can take some time, but doing so is worthwhile. Keep these tips in mind when you are shopping for insurance.