Your teeth are some of the most important parts of your body that you shouldn’t neglect. Dirty or damaged teeth can ruin your appearance, and a bad tooth infection can cause severe pain and other complications.
However, dental procedures are often expensive. Comprehensive dental insurance provides a full suite of coverage from preventative to restorative dentistry.
Medicare offers a wide range of insurance plans, but it’s difficult to discern the best one among all the different types of insurance. Here’s how to find affordable dental insurance you can trust.
1. Look for an HMO
Of the different types of insurance out there, you’ll most likely find a cheap dental insurance plan from an HMO. An HMO, or health maintenance organization, limits coverage to certain partnered providers. In turn, you can get much better prices than other plans like PPOs.
2. Get Group Coverage If You Can
An individual insurance policy will cost you more than one offered through an employer or some other organization, such as the AARP. If gained through your employer, the costs are usually deducted from your pay. In turn, you may get better benefits than if you pursued a plan on your own.
The only problem with group coverage is that their plan may not be perfect for your situation. Your spouse may have better family coverage, or your provider may not accept your work insurance.
3. Ask Your Local Dentist What They Accept
If you’ve just moved to a new area, you’ve probably done some research into the best healthcare providers around. One option is to find affordable comprehensive dental care and hope that a dentist with good reviews accepts them.
Alternatively, you can ask the provider what plans they accept and recommend. They get paid either way, so they’ll recommend one that benefits your needs.
4. Find Out What the Policy Covers
Even though comprehensive dental plans provide coverage for a wide array of procedures, that doesn’t necessarily mean the coverage is substantial. For example, a root canal can cost up to $1,500 per molar. One dental plan might pay for half of that procedure’s cost while another only covers a flat $250.
There are also some plans that only provide certain benefits after you’ve had them for a whole year. Find out what exactly each policy covers and how much they pay before and after deductibles are met.
Another thing to look out for is your premium. Higher premiums usually guarantee more savings on your dental procedures, but that isn’t always the case. It may also be better to go for a more affordable plan if your teeth are currently in good health.
Save Money on Comprehensive Dental Plans
There are a lot of comprehensive dental plans out there, and what works for one person may not work for your needs. What’s most important is that you get the coverage you require.
FutureWise helps our clients find affordable solutions for all of their insurance needs, whether it be health, dental, or otherwise. Contact us today to learn more about your options and to get a free insurance quote.