Tip #6: Learn about the wait times for important operations.
Dental insurance features “waiting periods” when they will not pay for certain procedures. However, some plans have shorter waiting periods than others), so if you believe you’ll need work soon, it’s a good idea to shop around and see which operations have a waiting time.
Tip #7: Don’t have a preferred dentist? Take into account a DHMO/Managed Dental Care Plan.
You may have heard of Dental HMOs, often known as DHMOs. Unlike most DPPOs, a DHMO requires you to see an in-network dentist. Because their networks are limited, you may not be able to see your present dentist and may have to travel a little further to find one. What’s the advantage? Lower rates and a more straightforward charge structure.
How much does dental insurance cost – and where can you obtain a quote?
Expect to pay $300 to $600 per year for an individual DPPO plan and 2x-3x for a family plan, depending on your age, plan level, and location. A DHMO will be less expensive, as will a group rate plan obtained through employment or an association.
If you can’t acquire coverage at work or missed the enrollment period, you can try your state’s health insurance exchange, where you may be eligible for a premium subsidy based on your income. Alternatively, many insurance companies allow you to buy directly from their website.
Frequently Asked Questions About Dental Insurance
Is it worthwhile to pay for dental insurance?
Even if you never go to the dentist, dental insurance, like many other types of insurance, can help you decrease your financial burden if you need major treatment, such as a bridge or root canal. Another advantage of having dental insurance is that it significantly reduces the cost of basic and preventive services such as cleanings and fillings. This motivates people to address problems as soon as they arise and helps them save money in the long run. For example, an untreated cavity that costs an average of $1702 can cost up to $900 if a root canal is required.
What can I do to avoid the need for costly dental care?
Take precautionary steps at home. For example, brush your teeth twice a day for two to three minutes, floss regularly, and use mouthwash. Most essential, if you see indications of a dental condition, seek treatment as soon as possible before it becomes a more significant – and costly – problem.
What are my choices for care if I don’t have dental insurance?
You don’t have to give up your alternatives just because you don’t have dental insurance. When you have a dental emergency, try these solutions:
Dental schools include: Under the supervision of certified dentists, dental schools provide professional work by students at little or no cost. A clinic in your neighborhood may collaborate with one of these colleges to provide uninsured patients with affordable care.
Clinics that are free or subsidized by the government: Do an online search to check if there are any free or government clinics near you. Many dentists and dental professionals offer their services to those in need at no cost.
Payment options: Many dentists offer payment plans to make dental care more accessible or supplement existing dental policies. Often, interest is not included in these arrangements. Inquire with your dentist about the options available.
Charity or community activities: Many cities organize healthcare events to provide low-cost dental care. Keep an eye out for such events in your area.
