Individual and Family Dental Insurance
You can obtain an individual dental plan for for $8 a month. There is no reason not to have some form of dental coverage.
A trip to the dentist is no longer the painful experience of the past. Modern dentistry is relatively pain-free and highly effective. But, the pain that one receives when looking at their bill, has increased dramatically over the years.
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Individual Dental Insurance versus Individual Dental Plans
Most people use these terms interchangeably. However, the regulatory agencies do not see it that way. So, for discussion sake, an individual dental insurance plan is an underwritten plan offered by an insurance company and sold only by licensed insurance agents. This is "real" insurance.
An individual dental plan, is a discount dental program or discount card that may or may not be sold by a licensed agent. However, do not underestimate the effectiveness of this type of coverage. They are relatively inexpensive, and if you use one of the plan's providers (which you must do), it can save you a lot of money.
Does it pay to have dental coverage?
The problem with any health or dental insurance product is that people do not think of it like they do other forms of insurance.
I am sure you are not thinking about what a ripoff life insurance is because you have been paying premiums and getting nothing back. Or, how many of you are disappointed that you have been paying for fire insurance and you have not had a single fire?
But, if you paid your health or dental insurance premiums and do not get a chance to use the insurance, you feel cheated. You are not typically telling yourself how lucky you are.
So, let's start with the idea that you buy insurance just in case you might need it some day. But, you need to take into consideration some basic factors before you make your choice. Ideally, you want to buy enough insurance to cover a good portion of your potential expenses, but do not want to over insure.
Let's start with a few basic questions you need to ask yourself.
Most people will benefit from some type of coverage. It will save you money and make dental care much more affordable. You just need to pick the right type of plan. Remember we are just a phone call away.
Dental Plan Types - An Overview
We cover the different types of plans elsewhere on this site. But, here is a brief review.
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