{"id":3541,"date":"2022-01-03T09:21:06","date_gmt":"2022-01-03T15:21:06","guid":{"rendered":"https:\/\/futurewiseinsurance.com\/?p=3541"},"modified":"2022-02-25T13:44:18","modified_gmt":"2022-02-25T19:44:18","slug":"how-to-buy-dental-insurance-what-to-consider","status":"publish","type":"post","link":"https:\/\/futurewiseinsurance.com\/how-to-buy-dental-insurance-what-to-consider\/","title":{"rendered":"How to Buy Dental Insurance: What to Consider"},"content":{"rendered":"

We are told repeatedly throughout our lives that our oral health is a critical part of our overall health. It might surprise you to learn then, that\u00a074 million Americans<\/a>\u00a0live without dental insurance. If you’re one of those people, then you’re probably looking for a way to take control of your oral health by buying dental insurance.<\/p>\n

If you’ve never purchased insurance on your own, you’re probably wondering how to buy dental insurance. Read on to learn how to do that with this dental insurance guide!<\/p>\n

Check with Your Employer<\/h2>\n

The first place to look for dental insurance is through your employer. Many employers provide it to their employees for a small premium that is automatically deducted from their paycheck.<\/p>\n

The downside to signing up for dental insurance through your employer is that you only have one opportunity per year to enroll. You also don’t get to choose the specifics of the plan. If you need something right now or something customized to your needs, then you’ll need to purchase from a private insurance company.<\/p>\n

Buy Dental Insurance from a Private Insurer<\/h2>\n

One of the best aspects of\u00a0buying dental insurance<\/a>\u00a0from a private company is that you can enroll for coverage at any time of the year. These companies have a wide variety of options available, and you can purchase coverage for just yourself or for your entire family.<\/p>\n

Spend some time\u00a0researching the types of coverage available and the number of dentists in your area that accept that insurance. This is a particularly important step for people who have an existing relationship with a dentist that they’d like to keep seeing.<\/p>\n

Choose\u00a0the Specifics of Your Plan<\/h2>\n

One of the most important steps you need to complete before purchasing dental insurance is to weigh out your coverage options.\u00a0The first thing you need to know is that, like health insurance, dental insurance has HMO and PPO options.<\/p>\n

In general, DHMO plans are less expensive than their DPPO counterparts. The trade-off, however, is that you’ll have to see the dentists in the plan’s network in order for your coverage to apply. Many DHMO plans have a leg up on DPPO plans because they don’t have a\u00a0waiting period<\/a>\u00a0before you’re eligible for certain procedures.<\/p>\n

DPPO plans are a popular choice among consumers thanks to their flexibility. With these plans, you’ll have more options for dentists, and you won’t have to select a primary dentist for care. The trade-off on DPPO plans is that they cost more than DHMO plans, and they have a deductible that needs to be met before coverage kicks in.<\/p>\n

Learning How to Buy Dental Insurance Is the First Step Toward Better Health!<\/h2>\n

If you didn’t already know how to buy dental insurance, then following the advice laid out in this guide will help you make informed decisions about your purchase. Spend some time exploring\u00a0variables in insurance plans like deductibles, copays, and waiting periods. With a little research, you’ll find the perfect dental insurance plan for your needs!<\/p>\n

Are you ready to buy dental insurance for yourself and your family? Do you need help with purchasing health insurance for your small business?\u00a0Contact us<\/a>\u00a0today to learn how we can help you with all of your insurance needs!<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

We are told repeatedly throughout our lives that our oral health is a critical part of our overall health. It might surprise you to learn then, that\u00a074 million Americans\u00a0live without dental insurance. 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