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Dental insurance can seem pretty cut and dry. You enroll in a dental plan and it helps you pay for cleanings, fillings and other oral care. It’s not a one-size-fits-all situation. If you pick a cheap dental insurance plan and call it good, you may not get the best value for your premium payment or the best dental insurance coverage for your needs.
As we’ve said here before, not all dental insurance plans are created equal, even if they appear the same at a glance. Benefits vary. Many dental insurance plans cover two professional exams and cleanings per year at 100 percent, but not all of them do. Some dental plans include benefits for major care such as crowns, bridges or root canals, others will not. You may even consider a dental plan that includes vision insurance.
Maximize your dental dollars.
What you select will depend upon your oral health and dental care needs in addition to what makes sense for your household budget. Conscientious shoppers can maximize their dental benefits and minimize their out-of-pocket spending.
In addition to comparing benefits when you shop for dental insurance, be sure to consider the extra discounts and services that may be offered to those enrolled in the plan. They may help reduce your overall healthcare costs throughout the year. These are three of the most common to look for when selecting an individual or family dental insurance plan:
1. Orthodontic discount programs – Do you or your children wear braces, need braces or require other orthodontic care? Orthodontia discount programs may be embedded in dental plans or available for a small upcharge..
2. Vision discount programs – Comprehensive eye exams are an important part of preventive care, too. Eye doctors screen for vision problems and look at eye health. Vision discount programs can help lower your out-of-pocket cost when you visit participating providers for an eye exam. You may also gain access to discounts on prescription glasses, contacts and other products and services.
3. Dental tourism services – Book a dentist appointment and a vacation all at once. Some dental insurance plans include access to dental tourism services in which a company such as Dental Departures will help you arrange for discounted treatment in Mexico or other countries.
Be aware of these discounts when comparing dental insurance plans and, once you are enrolled, use them.
Additionally, when you enroll in a dental insurance plan, consider supplemental insurance products that can also help lower your out-of-pocket healthcare costs. For instance, when you buy a dental plan through healthedeals.com, you may be able to add a Metal Gap or Telemedicine plan for a few extra dollars each month.
Remember, discounts on dental plans are not guaranteed, you should always check with your dental provider before making an appointment to discuss both your treatment and your financial responsibility
Do you have questions about dental and vision insurance plans and discounts, Obamacare plans or supplemental benefits? A health insurance producer can answer them and assist you in finding the right benefits for your family. Call the number at the top of your screen to speak with a certified advisor today.
Originally posted July 8, 2015. Last revised July 12, 2016.
THIS PLAN DOES NOT MEET MINIMAL ESSENTIAL COVERAGE REQUIREMENTS FOR PEDIATRIC DENTAL SERVICES AS PART OF THE ESSENTIAL HEALTH BENEFITS IN ACCORDANCE WITH THE AFFORDABLE CARE ACT (ACA) PROVISIONS.
About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group (including through its 92% ownership of American Independence Corp. (NASDAQ: AMIC)) owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), a majority of Ebix Health Administration Exchange, Inc., a fully insured third party administrator, and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.