Dental Insurance: Do I need it?
With the Affordable Care Act now well into play, we are all now required to have health insurance but the new law does not apply to dental insurance. So do you need a stand-alone dental plan if your current health plan doesn’t cover it? Here are some questions to ask yourself:
Do I need Dental Insurance?
Without dental insurance, you would be paying for any necessary procedures and standard checkups out of pocket. With insurance, you will be getting the same cleanings and procedures, but have less worry about the finances needed to get them done.
For some, not having dental is an acceptable option. If you maintain good dental hygiene and get your cleanings on time and are not concerned about funds needed for any procedures, you may want to forgo dental insurance.
If I needed a large procedure, could I afford it?
For many, finding out that you need a dental procedure is extremely stressful. Not only because you need the procedure, but also because of the financial burden that it puts on you. Dental insurance can ease this strain by knowing that part of this will be covered with your plan.
What does dental insurance cover?
It is important to research plans and understand what your dental plan will cover. Like most insurance plans, your coverage is as good as the policy that you purchase. Talking to an insurance professional is your best approach to finding a plan the covers well, but doesn’t cost an arm and a leg. Many dental insurance plans will cover necessary procedures, but only up to a point. They typically have an ‘annual maximum’ that they will pay for the year. However, with dental insurance, you may also get a lower negotiated fee for the work you need done.
Did you know you can request a dental insurance quote right on our website? Click here to get your quote
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