Need a Low Cost Dental Plan? 3 Tips to Help You Find It
Shopping for dental insurance can be a real pain – especially if you’re shopping for an individual dental plan. After all, it seems like insurance costs can be totally overwhelming – especially for the "little guy" who just needs an individual dental plan, instead of being part of a giant corporate plan. Adding insult to injury, some plans may come with an attractive price tag – but don’t have all of the coverage that you need.
So, how do you find a low cost dental plan that comes with quality coverage?
Follow these 3 tips:
1. Understand that all dental insurance isn’t the same
Just like all shoes or all purses aren’t the same, neither are all dental insurance plans. You can’t necessarily just pick the cheapest plan and call it a day. Instead, you need to spend time doing your homework.
In addition to price, you need to find out what kind of coverage you’re going to get. Are there network dentists in your area? Will your preventative services – like your x-rays and your check-ups be covered, or will you have to pay for those yourself? Is there a giant deductible that you have to meet before your insurance kicks in? Answers to all of these questions will tell you whether or not you’re getting a good low cost dental plan – or just a cheap one that doesn’t really help you.
2. Shop online
There are tons of online companies that offer dental insurance, and all you have to do is push a few buttons to get all of the information that you need! When you look for dental insurance online, good websites will let you compare several plans at once. That way, you can see which low cost dental plan offers value – and which ones don’t.
Plus, when you shop online, you don’t have to deal with any of the sales pitches that come with calling a bunch of different dental insurance companies. Instead, you can get all of the facts you need – without ever needing to speak to a real person if you don’t want to!
3. Look for individual dental plan bundles
When you’re dealing with the right company, you might be able to bundle your individual dental plan with an individual vision plan. In fact, many insurance companies offer both. When you bundle them together, you can get all of the coverage you need in both areas, but you’ll get to take a "combo" discount on your monthly premiums.