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Cheap Dental Insurance

Cheap Dental InsuranceIf you have ever needed a root canal, a crown or a set of dentures, then you know just how very expensive dental care can be; not to mention the cost of regular dental visits, cleanings, x-rays and more. Dental insurance can save you a considerable amount of money on your annual dental care, and finding cheap dental insurance can save you even more money.

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Dental insurance isn’t the most expensive insurance that you can purchase, which makes finding cheap dental insurance fairly easy. What you have to be careful of, however, is the fact that the cheaper the dental insurance is, the lower the cap will be on your maximum dollar amount for coverage.

In fact, many dental insurance plans have a maximum coverage of about $1500, which is why so many people feel that dental insurance isn’t worth it. What they overlook is that many of these plans cover cleanings and x-rays 100% and preventative care doesn’t impact that max coverage.

In addition, your co insurance will also lessen the impact on that max coverage, while lessening the impact on your wallet at the same time. For example, if you need a filling, your insurance might cover 80% to 90% of the costs while you pay the difference. More serious procedures may require you to pay 50% of the costs, while some dental care, such as dentures, aren’t typically covered by dental insurance.

Another dental procedure that isn’t typically covered by dental insurance is orthodontics. Braces are usually considered to be a voluntary procedure. If, however, your orthodontist considers it to be medically necessary, then it is possible that you can get part of the costs of your braces covered as well.

Who sells dental insurance?

Dental insurance is usually sold by health insurance companies as an al a cart insurance item. What this means is that when you purchase health insurance, you have the option of purchasing dental insurance as well.

This doesn’t mean that if you don’t purchase health insurance that you can’t get dental insurance. It just means that some insurance companies don’t sell it individually without the health insurance and some do.

If you are in the market for health insurance, or you already have private health insurance, then you should consider checking with your health insurance company for dental insurance before looking elsewhere.

The Internet is the best place for you to look for dental insurance options. You do need to be careful, however, as you will find that many discount dental cards try to make themselves look like insurance cards. If you don’t understand the difference, you may end up purchasing something other than dental insurance.

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What is a discount dental card?

A discount dental plan is essentially a service that provides you with a discount card for an annual fee. This discount card can be used for a variety of services and allows you to get a discount based on the type of service that you need.

For example, if you need a simple cleaning and x-ray, you might receive a 40% discount on those services. For a crown or a root canal, you might receive a 15% discount. What kind of discount you receive depends on the company you purchase the discount card from.

Discount cards aren’t bad and there are no caps on the discounts you can receive when using one. If you reach your max on your dental insurance, then you have to wait until a new benefit year to get more work done or pay full price. With a discount card, you never have that issue.

What are the issues with discount dental cards?

Here are some issues you may want to consider:

  • Before you purchase a discount card, you need to determine how many dentists in your area accept this card. Because the company that is selling the discount card negotiates with local dentists for discounted services, you may find that your choices are limited. This isn’t always the case, some companies have a vast array of dentists to choose from, making it easy for you to find a dentist in your area.
  • Another thing to consider is how upfront the company is about what you are buying. If it isn’t clear that what you are purchasing is a discount card rather than actual insurance, pass on that company. You don’t want to use a company that tries to disguise what it is offering.
  • Some discount cards can be combined with your dental insurance. What this means for you is that if you need a root canal and your insurance only covers 50% of it and your discount card gets you a 20% discount, then you could end up with only a 30% out of pocket cost.
  • In addition, discount dental cards often include a discount for cosmetic work and services provided by an orthodontist. While this discount is usually in the 10% to 20% range, it is better than nothing at all, which is what most dental plans offer.

What are some myths about dental insurance?

One of the biggest myths about dental insurance is that it costs more than the services that you are provided. Consider this; according to the National Association of Dental Plans the average cost of dental insurance is $144 annually for an individual and $500 a year for a family. Naturally, costs vary depending on where you live, what insurance company you use and so on.

On average, a dental exam costs $80, a cleaning is $50 an x-ray is $50, a filling is $150, a crown is $500 and so on. If a preventative visit to the dentist, which is typically free or has a small co-pay costs on average $130 and there are 4 people in your family, then you have already saved $20 by having dental insurance. This is assuming that you never need a filling, crown, root canal and so on. This amounts to clear savings by having dental insurance.

Another myth about dental insurance is that more expensive procedures aren’t covered. While it is true that, as mentioned above, that more expensive procedures aren’t fully covered, usually at least 50% of all necessary procedures are covered. A root canal can be $800. Would you rather pay $800 or $400?

A discount card costs about $100 annually for an individual and $360 annually for a family. As you can see, the cost savings aren’t as high as you might think when considering the two choices. However, both options can be a valid choice for you and your family.

Before you make the commitment to purchase dental insurance or a discount card, why don’t you start with our free quote tool and compare the rates between insurance companies to see just how much dental insurance will cost. Start by entering your zip code and comparing the dental insurance quotes you get now!

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