What Are The Best Dental Insurance Plans for Individuals?

Let’s face it; dental treatment can be quite costly, especially if you looking forward to having a major dental work such as root canal done. Therefore, it is important to have a dental insurance plan to cover such dental cost. If your employer has not taken a cover for you, it is vital that you take one for yourself. In this article, we will discuss if dental insurance is worth it and some of the best dental insurance options for you.

Is Dental Insurance Worth it?

Imagine that you have visited your dentist for a regular dental check-up. During the check-up, the dentist suddenly informs you that you have a damaged tooth, and the only way to save it is through a root canal process. The dentist recommends the procedure to be done immediately to prevent it from worsening. The procedure will cost you somewhere around $2500. For a majority of people, that is way too much money to raise at once, and that’s where dental insurance comes in. If you have a dental insurance plan, it is going to cover all or part of that cost depending on your type of cover.

Therefore, before you can sign for a dental insurance plan, it is important for you to read the plan and determine what is covered and what is not. When determining if the dental insurance is worth it, know the percentage of coverage it is going to offer you on different types of dental work.

Best Insurance Plans for Individuals

Individual insurance plans come in three different forms. They include:

• Dental Health Maintenance Organization (DHMO)

This type of dental insurance does not attract high premiums. This means that anyone that will go for this type of plan will enjoy the benefits of paying low premiums. It also has no annual cap. However, this type of insurance requires that you use in-network dentists.

• Dental Preferred Provider Organization (DPPO)

DPPO is a type of individual dental insurance that requires you to pay relatively high premiums. However, in case of any dental work, it will cover a relatively higher dental cost compared to DHMO. It has an annual cap and attracts a higher fee on out of network dentists.

• Dental Indemnity Insurance

This is the last type of individual dental insurance. It attracts the highest premium compared to the other two. It also has a higher maximum cap. It does not have deductibles, but just in case it has any, the cost will be small. One benefit with this plan is that it has a wide range of dentist one can choose from.

Which Plan to Choose?

A majority of people will go with the type of individual dental insurance chosen for them by their employers. However, if you have a choice, it is best that you talk to your dentist on the best coverage. If you are looking forward to having a major dental work in future, it is best to choose the option with a higher cap. You will pay a higher premium, but the good thing is that you will not max your coverage in a single visit. We recommend NIB and HCF for our patients at Carrum Downs. You can also choose Frank; they have amazing dental insurance covers. At Carrum Downs Dental Group, we accept a broad range of individual dental plans. Call us or visit us today to find out if yours is acceptable and enjoy quality, affordable dental services.