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Dental insurance costs less in premiums compared to health insurance. However, most health insurance has policies that cover a considerable amount of expenses if you have paid your deductible. On the other hand, the coverage of dental insurance has an annual limit from $1000 to $5000 with $50 to $100 deductible. While plans cover only 50% of the cost for root canals, crowns, and gum-disease treatment done by in-network dentists, it pays 80%-100% for x-rays, exams, and cleanings. Meanwhile, it does not pay for some procedures like cosmetic dentistry and orthodontia. Cost limitations cause people to delay their needed procedures although they have dental insurance. Some, on the other hand, neglect care because the procedure is not covered by their insurance, while the others have already maxed out their annual coverage, survey says. Below are some valuable tips when buying dental insurance: Choose Group Coverage
Most people with dental insurance get their benefits from their work or other coverage programs for groups like the Affordable Care Act, AARP, or public programs like Children’s Health Insurance Program, Medicaid and TriCare for the military. These plans are a lot cheaper and offer better benefits compared to buying individual insurance. However, you need to check the details carefully before deciding whether the premiums value the money for someone like you. Review the Individual Policy Individual policies are more expensive than group policies, and most of the time, it has more limited benefits. Aside from that, major procedures on individual policies usually have waiting periods. So, if you are planning to buy dental insurance for your needed procedure, keep in mind that insurance companies know that tactic. They would be likely to issue a long waiting period before you can use a particular benefit. It is wise to check the insurance companies’ websites and compare their policies and price quotes. Prevention is Better than Cure The good thing about dental insurance is its preventive care benefits like cleaning, check-ups, and dental x-rays. A report from the National Association of Dental Plans says that it is more likely for adults and kids with dental benefits to visiting a dentist, have restorative care and experience the maximum overall health. Buying insurance will motivate you to take advantage of preventive care, avoiding a much expensive, and painful procedures. At Simplified Insurance Solutions, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 340-7633. Get your free quote today by CLICKING HERE.
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