Full-time employees of companies are given the chance to get health coverage, including dental, usually at a reasonable cost. Freelancers, part-time employees and contractors generally don’t have this privilege. That doesn’t meant that they can’t get low cost dental coverage for themselves. It just means they will have to know a few things to find the best and most affordable plan for them.
There are two main types of dental coverage: family and individual. If you are single and not pregnant, then the individual plan is right for you. If you have a family, then the family plan is the one you want to go with. Keep in mind that you can always change from an individual to a family plan later if your situation changes, though your premiums will obviously go up.
Not all family or individual plans are created equal. Some have very bare bones coverage that only pays for certain treatments or doctor visits. Others are much more comprehensive and will include just about any kind of dental work imaginable. The bare bones are much cheaper than the comprehensive ones, so keep that in mind when choosing a plan.
During your research into various plans, two important things to consider are deductibles and limits. Deductibles are are the amount you must pay for your dental work before the insurance policy takes over to pay the rest or most of the rest. If it is high, like say $1000 dollars, then you may not be able to afford to use the plan. Pay a higher premium each month, and you will probably get a much lower deductible, which will balance out the higher monthly fee. The lower your monthly premium, the more likely you are to have a high deductible.
Limits are yearly and lifetime maximums that the insurance company will pay. For example, the plan may only pay $50,000 a year, which means if you need procedures beyond that amount in a given year, you may have to either pay out of pocket or wait till the next year when a fresh plan kicks in. Always check the limits and make sure they are agreeable to you.
Oral surgery and orthodontics are an important part of your dental health, but they aren’t covered in every policy. Check the fine print and make sure that both are covered, or else you could find yourself paying out of pocket should you need oral surgery or if you or a child need braces.
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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