There's no question that we all need dental care, which is why we work hard to find the best dental plans and deals. Our teeth are a big part of our overall health, and if we don't take care of them because it costs too much, we lose. Even if we have the best health insurance, if our teeth aren't in good shape, our overall health will suffer.
If the cost of dental care is a concern, not many people know that there are more than one way to pay for it. This is where I want to come in. I want to show you the different options you have. Look down.
Insurance that has always been around
This kind of plan is a lot like health insurance plans in general. After you pay your weekly and monthly premiums, 80–100% of the total cost of your dental care will be covered. You can get traditional dental insurance through your employer or by going straight to an insurance agent. The only difference is that if you buy a dental plan directly from an insurance agent instead of through your employer, you will have to pay a higher premium because your employer pays for part of the cost.
Plans for groups that sign up on their own
Here's what you can do if your company doesn't yet offer dental insurance but you and your coworkers want it. You can ask your boss to set up a group plan for dental care. With this type of plan, you and your coworkers will each pay your own premiums for a dental plan. This way, your group can get a huge discount on the premiums and better benefits. Don't forget that there is power in numbers!
Dental Reimbursement Plans
A dental reimbursement plan is not insurance. Instead, it is a deal between an employer and an employee. It works if you pay for your own dental care and send your employer the receipt. Your employer will then pay you back up to a certain amount. With this, you and your employer will never have to worry about paying the monthly premiums for a dental plan again. Plus, you can choose any dentist you want! So, if you like the idea, all you have to do is ask your boss right away.
Dental Discount Plans
From the name alone, you can tell that dental discount plans will let you pay less for dental care. Also, with this type of plan, you may have to pay an enrollment fee to your provider and you will only be able to go to dentists in your area who accept plan holders.
No matter what you decide, it's important to know the facts about the plan you choose and make sure it fits your needs. Remember that we have to get our teeth checked twice a year, so you have no reason to put off dental care. Cavities and tooth decay won't show up until it's too late. Fixing this will cost you a lot, so it makes more sense to take action now.
