Maybe your company doesn't offer dental insurance as part of its benefits package. Or, maybe your company doesn't offer benefits at all. Or, maybe you're self-employed and you need an individual dental insurance plan that won't break the bank.
No matter the reason, there are 4 tips to follow if you're shopping for an individual dental insurance plan:
1. Start your search online
You can find just about anything on the world wide web, and dental insurance is no exception. In fact, when you look for dental insurance online, you can often find deals that you never would have gotten over the phone or at your insurance agent's office. Online, you may be able to find an individual dental insurance plan that only costs a few dollars a month!
Plus, it's a whole lot easier to search online than it is to go through the phone book, calling company after company. When you shop for dental insurance online, you don't have to worry about being inundated with sales pitches and hype. Instead, you simply get the information you need - and you can even compare several different plans all on the same website!
2. Look for a Delta Dental individual plan
Delta Dental is one of the biggest names in dental insurance - in large part because they offer good coverage at affordable rates. That's what's made them successful for more than 50 years. If you see a potential plan that's written by Delta Dental, you can rest easy knowing that it's a good one.
Millions of people take advantage of a Delta Dental individual plan, and it's easy to find a plan that will work for you, too. In fact, you can find all sorts of Delta Dental coverage right online, just with the click of a mouse!
3. Opt for HMO's over PPO's
All of the letters can be confusing, but HMO's and PPO's are the two options you'll have when you buy an individual dental insurance plan. Typically, HMO's will give you a more affordable plan. However, it also doesn't skimp on benefits. HMO's come with networks of dentists that can treat you. Plus, they will usually cover the cost of all of your preventative dental care - like check-ups and x-rays.
4. See if you can combine your dental insurance with your vision insurance
When you get an individual dental insurance plan, ask the company about its vision insurance opportunities. Many companies will offer vision plans along with dental insurance plans at a reduced rate. You and your family need vision plans anyway, so you might as well try to see if you can get a discount on them!