Many employers provide health insurance to workers, but generally do so only if the worker is a full-time employee. Part-time employees or those who work as a contractor or freelance may have to purchase their own low cost dental coverage instead. Just because a plan is low in cost doesn't mean that it should be shoddy coverage. Here is what you can expect from a plan, and what to look for.
Depending on your life situation, you may need a individual or a family plan, which are the two main types of coverage. Anyone who is single and has no dependents will go for an individual plan. If you have children, even if you don't have a spouse, a family plan is appropriate for you. If you are currently single but later have a child, you should be able to easily upgrade to a family plan, though your monthly premium will go up as well.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
As you conduct your search for a good, affordable policy, always check for fine print about yearly and lifetime limits. A yearly limit is the maximum amount the plan will cover each calendar year. A lifetime limit is the max they will pay overall on your coverage over multiple years. If the limits are too low, you won't get much out of your plan, and it may not be worth the price you are paying each month for it. Keep this in mind before you sign on the dotted line. It may be better to pay a little more for a plan with a higher limit so you can use the plan more effectively throughout the year.
Not all coverage includes surgeries and orthodontics, so be sure to read the fine print. This is especially true if you have kids, because many kids may need orthodontia like braces in order to straighten out their teeth. Surgeries, even minor ones like removal of wisdom teeth, can be quite expensive when paid out of pocket, so be sure you are covered.
Another important point to consider is the coverage for preventative care. Your policy should let you have at least yearly checkups, and yearly teeth cleanings as well. These help you avoid bigger dental problems down the line, so most insurers include them in each policy to save money. This is a win-win situation for you and the insurer, so take advantage of these each year.
No matter what your age or family situation, finding an affordable dental plan is easy. Set a budget, do some shopping, and always read the fine print to see what is covered so there are no surprises later. This will save you time and money later on down the line, and ensure good dental health.
Depending on your life situation, you may need a individual or a family plan, which are the two main types of coverage. Anyone who is single and has no dependents will go for an individual plan. If you have children, even if you don't have a spouse, a family plan is appropriate for you. If you are currently single but later have a child, you should be able to easily upgrade to a family plan, though your monthly premium will go up as well.
It's important to know that not all plans are the same, or have the same level of coverage. Some are very sparse, covering only the basics. While these plans are inexpensive, they don't always give you the coverage you need. You may need a more comprehensive plan that costs a little more but will save you money in the long run.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
As you conduct your search for a good, affordable policy, always check for fine print about yearly and lifetime limits. A yearly limit is the maximum amount the plan will cover each calendar year. A lifetime limit is the max they will pay overall on your coverage over multiple years. If the limits are too low, you won't get much out of your plan, and it may not be worth the price you are paying each month for it. Keep this in mind before you sign on the dotted line. It may be better to pay a little more for a plan with a higher limit so you can use the plan more effectively throughout the year.
Not all coverage includes surgeries and orthodontics, so be sure to read the fine print. This is especially true if you have kids, because many kids may need orthodontia like braces in order to straighten out their teeth. Surgeries, even minor ones like removal of wisdom teeth, can be quite expensive when paid out of pocket, so be sure you are covered.
Another important point to consider is the coverage for preventative care. Your policy should let you have at least yearly checkups, and yearly teeth cleanings as well. These help you avoid bigger dental problems down the line, so most insurers include them in each policy to save money. This is a win-win situation for you and the insurer, so take advantage of these each year.
No matter what your age or family situation, finding an affordable dental plan is easy. Set a budget, do some shopping, and always read the fine print to see what is covered so there are no surprises later. This will save you time and money later on down the line, and ensure good dental health.
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