There’s no telling what horrifying fungi are growing on the back of your throat, but something that a lot of people prefer to consider before even stepping foot in a dentist’s office is insurance. Many feel that it is best to make sure that their insurance is going to cover costs for them when it’s time for them to get their annual check ups, and this makes sense, especially if you go to the dentist as often as you should. The issue, though, is how and where to get the insurance policies that are most advantageous to you as the consumer. What you need isn’t dental insurance per se because dental insurance itself is actually nowhere near as advantageous as you might think. Unless you’re getting it as an employee benefit, it’s probably something you want to avoid.
When it comes to personal finance, the way people spend frugally often has a lot to do with how they handle various forms of insurance whether it be apropos of their vehicles, their homes, their healthcare, etc. When it comes to dental insurance policies, though, they rarely cover very much at all, which means you’re not likely to get your money’s worth through conventional means. The best thing to do instead is to join a dental price club, which is nowhere near as exclusive as it sounds. Looking long-term, this is more likely to save you money.
The Problem with Dental Insurance Policies
Dental insurance policies generally shaft you with limited coverage. The reason people go ahead and pay these premiums anyway is usually because the one upside is that it isn’t that difficult to find an insurance policy whose rates are low; perhaps, the one other benefit is that the cost of two semi-annual checkups is typically covered by whatever plan you’re likely to get. These are the two main benefits to your standard dental insurance plan, but you don’t have very many options beyond the standard plans we’re discussing as it is.
That being said, it’s almost always the case that these insurance policies provide you with very low payouts in the event you need some legitimate dental work done. Everything you need outside of the routine checkup, therefore, is probably going to be covered primarily by the money out of your own pocket. This means that, for those precognitive enough to foresee the likelihood that they’ll eventually need more than just semi-annual checkups, the standard insurance policies are not nearly as helpful as you’ll need them to be. The kinds of payouts you can expect from standard plans over the course of a year run between $1,000 and $2,000. These payouts have not increased since the 1970s.
The Merits of Discount Price Clubs
These clubs aren’t like golf clubs or fraternities, so if you’re at all scarred by memories of social faux pas of old, there’s no need to equate this with those sad times. In fact, this might be the most viable option for you depending on your financial and dental situation. Specifically, these are the best option for anyone who anticipates multiple dentist visits in a year. These clubs can be reached online, and they provide discount plans. We’re talking about carriers like Brighter.Com, Careington, DentalPlans.Com, or Northeast Dental Plan. They all provide you with discount plans at irrefutably competitive rates.
You can get plans that cost anywhere from $75 to $150 a year, which is pretty affordable for most people, and they give you pre-negotiated lower rates. Don’t be alarmed when you switch over to a discount plan and end up paying the same or similar amount for a procedure that you would have with your old insurance policy, though. The first time doesn’t play into the discount much, but you’ll benefit greatly on subsequent visits because of how much more slowly you’ll meet the annual maximums that your insurance company used to lord over you.