They say a smile opens many doors, so it’s a good idea to take care of it and get the best dental insurance possible. Find out which one is best for you.
No one sighs at the thought that the day to go to the dentist will never come again. In addition to being inconvenient, and sometimes painful, it is yet another expense that you have to make room for in your family budget. But not taking good care of your smile can have countless consequences in your personal and professional life and, therefore, you should know how to purchase the best dental insurance for your budget and personal needs.
HOW TO CHOOSE THE BEST DENTAL INSURANCE FOR EVERY BUDGET
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Although there is no obvious answer, as it all depends on the specific needs of each person, there are some good practices and characteristics that you should pay special attention to when trying to find the best dental insurance.
Get a dental checkup
Go to a dentist you trust and have a dental check-up , so that you can understand and budget for the treatments you will have to do in the near future.
With this information it will be much easier to choose the best dental insurance for your needs.
Start by looking at the insurance premium amount and select several policies that are within your budget limits. Depending on the insurer, you can pay monthly, quarterly, semi-annually or annually. Select one that has payment options that meet your expectations.
types of coverage
If you already have an idea, think about the various dental treatments that await you in the near future and see if the coverage offered by the insurance company covers them all.
Some policies only cover services such as cleaning, restoration and repair, while others may include oral surgery, dental implants and dentures.
Discounts and contributions
The policies of the various insurers will differ with regard to the discount offered and the percentage of the expense that is reimbursed.
Observe the values in general and, if you already have an idea, pay special attention to the type of treatments you intend to do.
Service provider network
Each policy puts at your disposal a network of dentists and clinics that have signed an agreement with the insurer, which you can use and pay a very low amount.
Although, in most cases, you can resort to professionals not included in the network of service providers, the discount and reimbursement offered by the insurer will be significantly lower.
If you live in an urban area, it is unlikely that you will have to travel far to find one of the service providers included in your policy network. Even so, and in order to be able to take full advantage of your investment, you should look into this issue carefully before subscribing to any insurance.
Possibility to include other family members
If you have children, there are some insurers that allow you to associate them with the policy without compensation in terms of price. If you have other family members that you can include in your dental insurance, this could lower the per person amount quite a bit.
Consult all the information
There are several websites where you can get quotes and compare different dental insurances. Even so, do not leave your choice in the hands of a third party – who may not be impartial – and consult the brochure where all the information is detailed.
WHY DENTAL INSURANCE IF I ALREADY HAVE HEALTH INSURANCE?
Most traditional health insurance does not cover dental care – and when it does, it covers very few treatments.
- Age is not an impediment;
- No capital limit required;
- There is no need to complete questionnaires or physical exams;
- You can renew for as long as you like;
- There is no grace period.
The amount of the premium will vary depending on the insurer, the number of people included in the policy and the payment option. However, a quick search on the internet suggests a price range that will fluctuate between €80 and €200 per year , which means that you can have access to the best dental care from around €10 per month.