Well, you do not have to wait for affordable dental insurance as a number of providers are in place and ready to serve you. Just as you don’t want to neglect your general health, you want to preserve your oral health by keeping your twice annual appointments with your dentist.
1. Ask your medical insurer. If you recently signed up for new health insurance coverage or made the switch to a new provider, you may not realize that dental insurance may also be offered. It is a separate policy with its own set of co-pays, deductions, and rules, but it may be cheaper to buy it from the same company that offers you health insurance. That makes for bundled coverage with discounts from five to 10 percent or more possible.
2. Ask your dentist. Importantly, if you already have a dentist, then you also have a source for identifying what coverage that he or she accepts. Contact your dental office, get the names of the insurance companies they accept, and call them. Your dental receptionist may be able to recommend a provider based on her knowledge of rates, co-pays and deductibles. Ask the dental insurers for a quote and compare your quotes among several companies. Always compare like coverage with like coverage to obtain an accurate comparison.
3. Ask your employer. If you have health insurance through work, then dental insurance is usually offered. If it is not, ask your employer to consider adding coverage as a perk. Typically, dental insurance is not terribly expensive. However, your business may only be able to provide coverage for employees and not for spouses, children, and other dependents. Businesses can save money by combining dental and vision plans too, a one-two perk that is important for retaining key employees.
4. Contact a healthcare broker. Perhaps finding dental insurer is a big hassle. Instead of shopping for an insurer on your own, you can use a broker to find coverage for you. Brokers know which companies cover what areas of the country and discuss with you providers to compare. Insurers include Ameritas, Humana, UnitedHealthOne, SecurityLife, the IHC Group, Cigna, Blue Cross Blue Shield, and MetLife. Let someone else do the legwork for you. Typically, there is no fee charged: the insurers provide the brokers with a commission for signing you up. Just make sure that you are not being directed to one plan only.
5. Choose a discount plan. Maybe after searching for coverage you discovered that your employer cannot provide insurance at this time and you can’t afford it on your own. Don’t lose heart: you may be able to afford a dental discount plan instead. Unlike insurance, such plans offer a discount for dental insurance and are often accepted by dentists. Instead of paying full price for your office visit, you may be charged half price. More expensive work such as fillings, bridge work, and capping can also come at a discount. You may be able to make payment arrangements with your dentist.
Back to Your Dentist
If all else fails tell your dentist that you do not have insurance. Many dentists work with their patients and can cut you a break. Some will provide discounts similar to what you would receive from a dental discount plan. Make your needs known and don’t put off your dental visits — your personal health is on the line.
Gavin Reed is a professional blogger that shares information on the latest technology in oral care. He writes for Embassy Dental, a top dental practice in the Nashville TN area.
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