Unless you're in the insurance industry, you're probably not an expert when it comes to buying personal dental insurance. What separates and good policy from a bad policy? How do you know if you're being overcharged?
You can find the best dental insurance policy for your needs by keeping an eye out for these 4 things:
1. Coverage from a top-notch company
The last thing you want to do is buy personal dental insurance from some "fly-by-night" company that offers cheap rates - but coverage that isn't very good in the long run. While there are several good companies out there, Delta Dental individual policies are some of the best.
What makes them so good?
Even though it is a huge company, Delta Dental individual policies are designed to give you a small-company feel - meaning that their rates are affordable and the coverage is good. In fact, you may even forget that you're dealing with a giant company because the personalized attention is so good!
2. Personal dental insurance that isn't too expensive
Just because you're buying them as an individual, dental plans do not have to cost an arm and a leg. In fact, if you're spending a ton of money on your personal dental insurance, you're likely being overcharged!
In the dental insurance world, you can get great coverage at a low cost. The key to separating these policies from the cheap ones that offer junk coverage is to read the fine print. Make sure all of your basic services are covered - and make sure that serious procedures are covered, too - and you'll be good to go.
3. Personal dental insurance that lets you upgrade later
Let's say that you're a single guy right now who is shopping for dental insurance. You might find a great plan now, but what happens down the road, after you get married and have kids? You'll need to get dental insurance for your family, too. If you're dealing with a good dental plan, you'll be able to add on new family members without any hassle.
4. A dental insurance policy that gives you a big selection of dentists
Most individual dental plans will come with a list of approved dentists. As long as you go to a dentist that's on the list, you'll be covered. If you don't go to a dentist that's on the list, you'll very likely be on your own. That's why finding a dental plan with a big selection of dentists is so important. After all, you don't want to be forced into going to a dentist that you don't like!