3 Things Good Dental Insurance for Individuals Comes With

Let's face it -- the days of you getting quality dental insurance through your employer-sponsored health plan are over.  More and more employers are cutting back on dental benefits, and many of them have cut out dental insurance altogether!
Since you need the coverage, you're going to have to shop for individual dental insurance plans on your own. 

So, how do you tell if a plan is a good one?

The good dental insurance for individuals comes with these 3 things:

  1.  Coverage from a big-name company

    Bigger isn't always better, but many of the big-name insurance companies are so big because they do things the right way.  For example, Delta Dental Insurance is one of the leading companies out there.  When you work with them, you know you're going to get quality coverage at an affordable price.  Plus, Delta Dental Insurance makes it easy to ask questions and handle customer service issues.  You wind up getting personalized attention from a big company; it's the best of both worlds!

  2.  Affordable premiums that don't cut corners

    Dental insurance for individuals doesn't have to be expensive.  In fact, your monthly premium rates should be no more expensive than a trip or two to your favorite lunch spot!

    However, it's important that you don't fall victim to low premiums that don't give you much in return.

    Some individual dental insurance plans are affordable from top to bottom.  However, others charge rock-bottom premiums and make up for it by cutting corners in your coverage -- like excluding a bunch of services, charging higher deductibles, or nickel-and-diming you to death in copays.  When you're comparing dental insurance for individuals, make sure that your potential plan falls into the first category!

  3. Vision plans

    Wait… what?  We're talking about individual dental insurance plans, not vision plans! 
    However, the really good dental policies are actually combined with vision plans.  That's because employer-sponsored plans are cutting back on vision coverage, too.  Since you need both types of coverage, it's best to buy them together.


    Because combining your dental and vision plans is a great way to save money!  The good insurance companies will reward you for buying two policies, in the form of lower premium payments.  That way, you get the coverage you need, while also tucking a little bit of extra money into savings every month.  Or, you can afford to upgrade both plans without breaking your budget.  Either way, it offers the best of both worlds!

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