Dental Insurance For Individuals

Low-cost dental insurance for people who do not have it from an employer is often difficult to find but well worth the search. Indemnity insurance allows one to use any licensed dentist while discount plans restrict plan holders to specific dentists. The problem then is deciding which individual dental plan purchase is best for you.

Naturally people will find a wide variety of pricing for the various plans. Unlike a bottle of ketchup which is catsup which is still just plain old catsup no matter what brand you buy, prices for individuals seeking dental insurance will vary primarily because the benefits vary significantly from insurance policy to policy. All varieties of catsup are pretty much the same thing but this is hardly true of dental insurance plans designed for individual purchase.

While the wide range of benefits and waiting periods can make it difficult to compare prices easily for dental insurance that very same variety of insurance provisions can help you find precisely the dental policy that you are looking for. You will want to compare deductibles and look for a dental insurance plan that will have a significantly lower deductible for preventive services. This can be a good indicator of a policy that is slanted a little bit more toward the consumer than plans that discourage people from obtaining preventive dentistry.

On the other hand, some varieties of discount dental plans provide full benefits to the individual almost immediately. The restriction is that you may have to go to specific dentists that participate in the program but sometimes the advantage of having immediate full coverage makes it desirable to work within these restrictions. All dentists in these plans are licensed and monitored by the appropriate board of dentistry and are competent to perform the work that you need.

For most people, the advantage of a lower priced discount dental plan is completely negated by the fact that their dentist does not participate individually in any discount plans. For people who have a trusting relationship with their dentist there is simply no substitute for a good indemnity dental insurance plan that allows them to continue receiving treatment from their favorite dentist.

Dental Plans

Hello everyone!

Affordable dental care is a very important component to overall health coverage. A recent study named dental care as the most prevalent unmet health need among Americans. Another report states that dental-related illnesses result in 164 million lost work hours, and 51 million lost school hours (per every 100,000 children) in the United States each year. So why don't more people have dental plans? Most people think dental plan rates are not affordable. That couldn't be further from the truth. Affordable dental plans are not only available, but there are many with low monthly and/or annual rates!

Regular visits to the dentist are key toward achieving perfect oral health, and there are lots of affordable insurance and dental plan rates available. It is important not only to keep your teeth and oral health in perfect working condition for vanity reasons, but also to prevent you from developing other health conditions. It is recommended by experts to visit the dentist regularly, every 6 months.

There is a saying that goes, 'ignore your teeth and they will go away'. I would rather not find out if that's true or not. My great grandfather still had his teeth when he passed away. He always made sure he went to the dentist, and had an awesome dental plan. So I'm going to do like he told me too: Be good to my teeth so they will be good to me.