Many employers provide health insurance to workers, but generally do so only if the worker is a full-time employee. Part-time employees or those who work as a contractor or freelance may have to purchase their own low cost dental coverage instead. Just because a plan is low in cost doesn't mean that it should be shoddy coverage. Here is what you can expect from a plan, and what to look for.
When it comes to dental policies, there are two main types, family and individual. Anyone who is single and doesn't have children or dependents can opt for the less expensive individual plan. Those who are married or have children, regardless of marital status, will probably want to opt for a family plan to cover kids or spouses.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
Limits are yearly and lifetime maximums that the insurance company will pay. For example, the plan may only pay $50,000 a year, which means if you need procedures beyond that amount in a given year, you may have to either pay out of pocket or wait till the next year when a fresh plan kicks in. Always check the limits and make sure they are agreeable to you.
Oral surgery and orthodontics are an important part of your dental health, but they aren't covered in every policy. Check the fine print and make sure that both are covered, or else you could find yourself paying out of pocket should you need oral surgery or if you or a child need braces.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
When it comes to dental policies, there are two main types, family and individual. Anyone who is single and doesn't have children or dependents can opt for the less expensive individual plan. Those who are married or have children, regardless of marital status, will probably want to opt for a family plan to cover kids or spouses.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
Limits are yearly and lifetime maximums that the insurance company will pay. For example, the plan may only pay $50,000 a year, which means if you need procedures beyond that amount in a given year, you may have to either pay out of pocket or wait till the next year when a fresh plan kicks in. Always check the limits and make sure they are agreeable to you.
Oral surgery and orthodontics are an important part of your dental health, but they aren't covered in every policy. Check the fine print and make sure that both are covered, or else you could find yourself paying out of pocket should you need oral surgery or if you or a child need braces.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
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