Private Dental Insurance
Did you know more than half of all Americans have no dental insurance at all? It’s a staggering fact, one that eventually leads to more teeth and gum problems and higher costs down the road. Even if what want coverage, your employer may not offer a plan or you may be self-employed. This is where finding private dental insurance comes into play.
Advantages Of A Private Dental Plan
The best thing about purchasing your own dental plan is the ability to go to the dentist of your choice. Usually with employer sponsored plans, you’re required to use the dentists authorized by them or participating with your company’s group insurance. You’ll get all the benefits you’d expect, but with the freedom to choose who cares for your teeth.
In many cases, the coverage is also better with a private dental insurance company. Because you’re able to shop around, providers will work with you to make sure you have the best deductible, co-pay and max yearly limit for you and your family. You may also be able to work in pre-existing conditions, or at least earn discounts to have those problems taken care of. Overall, you’ll probably get better service and treatment with a private provider.
Disadvantages Of A Private Dental Plan
Like all things, there’s pros and cons – and in this case the main drawback is cost. A Private dental plan will likely cost more money than other group plans or discounts. You can’t have your cake and eat it too, of course. My suggestion is to shop around for the best prices and the best coverage, that way you can get exactly what you want and the coverage will be there where and when you need it. Also make sure your dentists will accept your private plan, as the pay is usually lower and/or they have their own preferred group of accepted insurers.
Make sure to pay particular attention to how much money you’re going to have to pay for cleanings and fillings, which are the most common expenditures when going to the dentist. Ideally, you’ll pay little to nothing out of pocket for these treatments. In addition, make sure your private dental insurance will be there for you when needed – namely in the event of expensive work like crowns, for example. If you’re paying $800 a year for a plan with $1,000 maximum coverage then I don’t feel that’s a very good value.