In this country there is a surprisingly large population that is without insurance. This may be because these people don’t work for a company that offers insurance unless you are a full-time worker, or they are a small business owner without an insurance plan for their family or their small amount of employees. What these people may not realize is that you can get private dental insurance for individuals without having to get it from work. Many people benefit from getting their own private plans because they have full control over the choice of the dental insurance for individuals and they can choose how much they want to pay and what kind of plan to get.
This essay will discuss some of the different options for dental plans and hopefully will help those looking for plan for them.
When it comes to dental insurance for individuals many people choose to get a discount card rather than full coverage. There are a couple reasons for this. The first is that you would expect to not have as many dental problems as you would say health problems. Many times you can control you oral hygiene by brushing and flossing. Thus, the majority of people need only routine cleanings and cavity fillings. There may be rare occasions when you need a large procedure like a root canal done, but these will be few.
With a discount card you will generally get free routine cleanings and check ups every 6 months, but then you will only get a discount on your cavity fillings. The advantage to this option is that your monthly premium will be very low. Some of the the dental insurance for individuals that are discount cards can be as low as $15 a month. Many people feel that they are a saving so much money on their monthly premium that they feel like paying for an occasional cavity is not a big deal. The disadvantage to this option is that if you end up needing a large amount of dental work done you may have a very large bill because there is no cap to the annual out of pocket limit for the individual. Therefore, if you need two root canals in a year you are paying for two root canals at only a discounted price, usually by P.
The other dental plan option is to do a normal plan that more closely resembles a health insurance plan. This plan will have a copay for office visits and cleanings, but then it will cover larger procedures as well. In this case you can plan on how much you are going to pay out of pocket per annual year and you will not be covering the majority of the costs for fillings and large procedures. Many people who use this plan have a family and they can reach the deductible in the calendar year and by doing do they end up saving money. This option may save you money on the large procedures, but you have to take into account the fact that you are paying a much higher monthly premium. If you are a person who has a lot of problems with your teeth then this may be the better option for you because you save money on the larger procedures.
The goal here is to make sure that you are really thinking about what your purpose is for having insurance. If you need insurance that offers more coverage you may need to go with the one with a higher monthly premium and more coverage on the large procedures. If you don’t have as many dental problems then you may be best with the discount card.