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Do you worry about not having enough money to cover the rising costs of dental bills? I think most people realize just how expensive going to the dentist is, and even with good dental plans offered by employers the rising costs of even basic teeth cleanings have become a burden on hard hit families. For those who cannot afford the co-pays necessary that regular plans require, purchasing supplemental dental insurance might be the answer.

Typical dental insurance doesn’t cover very much when it comes to major dental treatments, due in part to the cheaper insurance usually offered by employers. And, if your self employed, comprehensive plans are usually extremely expensive in comparison to the coverage actually offered. Furthermore, the plans paid by your employer may or may not be considered voluntary in which you’re required to opt in or out.

It’s important to understand that whatever coverage you do have is enough to cover the costs of your routine visits for cleanings and the occassional filling. Do you know how much you’ll have to pay out of pocket for a crown, or a bridge? What is the maximum coverage per year, and are your pre-existing conditions covered? Accidents happen, and knowing your coverage is the best way to be prepared.

Dental Discount Plans

Also consider buying into a dental discount plan, which is a membership based program in which a group of people work together to negotiate a lower rate. While this isn’t actually insurance, often times this can supplement the costs of your current insurance plan – but be sure to check. Not all dentists participate, so make sure your preferred provider will accept.

Ultimately, neither student and other discount cards or supplemental dental insurance is intended to replace your personal or primary dental insurance. The additional coverages and discounts are meant to help make it more affordable to get the preventative healthcare you need to avoid costly treatments down the road. And, in the event of a major dental operation, you’ll be able to afford the co-pay that’s not paid.

Other Supplemental Insurance Plans

There are quite a few different types of supplemental plans available, from a wide variety of reputable insurers. Be sure to shop around, not only for the best rates and prices but also for the best coverage that suits your needs. Cheap isn’t always best, and in this market you usually get what you pay for. Don’t wait until it’s too late to make sure you have the coverage you need.

One Response to “Supplemental Dental Insurance”

  1. “If I bought groceries the way I buy health insurance, I’d eat a lot better – and so would my dog”

    Posted by: Gay T. Casillas on on October 27th, 2010 at 4:53 pm.