4 Popular Options for Dental Insurance
Dental insurance isn’t one-size-fits-all. If you’re looking for a policy that meets your exact needs, you’ve got 4 popular options to choose from:
1. Full dental insurance coverage
Want the most traditional insurance that comes with monthly premiums, deductibles, copays, and — most importantly — peace of mind knowing that virtually everything you need will be covered? Then you need full dental insurance coverage. This type of dental insurance tends to be the most expensive, but it’s also the most comprehensive.
Luckily, if you shop around, you can find full dental insurance coverage for an affordable rate. In fact, you might be able to get an individual policy for as little as the cost of a couple value meals at your favorite fast food restaurant!
2. Dental indemnity insurance
If you like the idea of having full coverage — but want to take advantage of additional perks — then dental indemnity insurance might be perfect for you. This type of insurance is commonly referred to as “fee for service” because you actually pay the full cost of your dental visits yourself, then get reimbursed by your insurance company.
Why is that so great?
You’ll have to front money in the beginning, but you’ll wind up coming out on top in the end. That’s because dental indemnity insurance policies are typically cheaper than full coverage. Plus, under an indemnity plan, you won’t be restricted to a list of approved dentists — like you probably will be under a full dental insurance coverage plan. Instead, you’ll get to go to any dentist or specialist you want.
3. Dental and vision insurance
A great way to save money — without having to cut corners in coverage — is to “bundle” two types of insurance together. By buying your dental and vision insurance from the same company, you can get discounts on both, as part of a “loyalty reward” of sorts. That way, you can take advantage of better coverage, without having to pay as much for it.
After all, you’re probably in the market for both dental and vision insurance anyways. Why not save some money on them?!
4. Student dental insurance
Looking for a way to keep your teeth in good shape while you’re in school? Student dental insurance plans offer great coverage at prices that full-time students can afford. After all, you’re already paying for tuition, books, room and board, and a slew of other things. By taking advantage of student dental insurance, you don’t have to let your oral health fall by the wayside!
Originally, student dental insurance plans were only available through the universities themselves. However, private insurance companies saw the demand and started offering them, too — so you’ve got plenty of plans to choose from!
It’s easy to find the perfect dental insurance for your needs when you log onto www.dentalforeveryone.com!