Cheap Dental Insurance
Money can be tight and it is easy to let certain things fall by the wayside. Most people do not have cheap dental insurance, so when it comes time to cut the family budget, dental care is unfortunately one of the first things to go. If you are like many people who suffer from various dental issues like tooth decay or bleeding gums, then you need to have regular dental care, which is very pricey without dental insurance.
Almost one third of American children have never had a dental check-up. This is combined with the fact that almost half of children and adults have tooth decay that is untreated. Maybe this is why so many people are scared of the dentist! Teeth are something you can never replace – at least not without a lot of money and good dental insurance, so make sure you take care of them now.
Did you know that even if you have health insurance most of your dental care is not covered? You will have to purchase a separate plan to make sure all of your dental needs are met. If you have medical insurance, make sure you check what your plan offers. If you or your child breaks out a tooth or have some sort of dental emergency, that may be covered under your regular medical plan, but routine checkups, root canals, crowns, etc. are not covered and you will need cheap dental insurance for these.
Cheap dental insurance is the solution to these issues. But where do you find dental insurance that won’t break the bank? There are many options for low-cost dental insurance from your local state insurance programs to cheaper options from big-name insurance providers. You may also find cheap dental insurance options if your state has a local dental school, where you can receive services at a reduced rate. Many dentist offices offer reduced rate services or payment plans for whatever your insurance does not cover. If you are in the market for cheap dental insurance
There are a lot of different companies to choose from. When selecting cheap dental insurance, these are some things to consider: if you stay up-to-date on your preventative dental care such as cleanings and x-rays, then you will not have to pay for the pricier care such as root canals and crowns or implants. A lot of cheap dental insurance plans pay a percentage of what services you need. You want to look for the plan that pays the highest percentage of your dental care.
Check out our information on cheap dental insurance. We explain more about dental insurance in general and also give you information about dental insurance respective to where you live. Even if you find that money is tight, dental insurance is not something you want to scrimp and save on. If you do not have dental insurance and something happens to your teeth then you will end up owing a lot in dental bills or not get the kind of care you need.
Cheap Dental Insurance for Braces
Cheap dental insurance is only as good as what it covers. There are many different types of dental care including preventative and cosmetic care. It is up to you to figure out what your plan covers. Did you know that many cheap dental insurance plans do not give you a lot for orthodontic care (braces)? If this is the case for you, then you need to know your options.
It is possible to get separate orthodontic insurance to go along with your cheap dental insurance plan. Why should you spend this money? Well, it depends on your situation. A lot of people think braces are purely a cosmetic decision, or a choice of the family. While nice, straight teeth are certainly a plus, there are many other reasons to get braces. If your teeth are misaligned, there are others issues that can occur in your mouth. If your teeth do not line up properly, it can be hard to chew food well, and this can lead to digestive issues along with improper wearing of your teeth. You do not want your teeth to wear out before their time.
If your teeth are misaligned, this can also cause jaw problems and pain, which can lead to a host of other problems. People with crooked teeth complain of other issues like headaches, TMJ and neck pain. So as you can see, getting braces is not just about looks. There is much more to it than that. But if you do not want to have multiple dental insurance plans, what are you to do?
Cheap Dental Insurance with Orthodontic Care
If you get braces when you are young, it can change the whole shape of your face and profile. Your mouth can rest easy while you sleep if your teeth line up perfectly. Think of the years of agony you will save if you get braces at a young age! However, most children cannot make this decision for themselves. Parents are the ones who have to foot the bill for braces and if they cannot pay the large fees, then the child is the one who suffers. This is why cheap dental insurance that includes orthodontic care is the solution.
Braces can cost anywhere from a few hundred to several thousand dollars. It all depends on what needs to be done. If your teeth are crooked and just need to be straightened, that’s one thing. But if your teeth are crooked, you have an overbite, or you have a snaggletooth, then you have a lot more to worry about financially. Even if you can find a cheap dental insurance plan that will cover your adjustments, then you can pay out of pocket in payments for the rest without too much of an issue.
Cheap dental insurance for braces is a must. Each adjustment, or each time you go in to the orthodontist to get bands changed or different brackets put on costs money. My parents refinanced their house to pay for mine, and while I am eternally grateful, they could have gotten the same result at a lower cost and certainly without the interest costs from financing a home if they had simply invested in cheap dental insurance with orthodontic care.
Who Needs Cheap Dental Insurance?
Did you know that more and more employers are not offering dental care as a part of their benefits package? Or if they are, their employees are still responsible for 100% of the premium? If this is the case for you, then you can opt out of your group insurance plan and find your own plan that is cheaper and more comprehensive. If you are a member of certain organizations, you can often find cheap dental insurance through them, such as schools, credit unions or rotary clubs.
What is Cheap Dental Insurance?
Different than discount programs or payment plans, cheap dental insurance is real insurance coverage at a lower rate. You should pay a lower premium and still have a high percentage of your services covered. There are many plans out there that are competitive and will fight for your business. Dental insurance covers diagnostic and preventative services, repairs, oral surgery, restorative work and root canals, either 100% or a large percentage.
When Do I Need Cheap Dental Insurance?
Since most dental diseases are preventable with regular care, it is safe to say that you always need cheap dental insurance. Who wants to pay high premiums and still have to pay high co-pays when you go in the office? There are plans out there for the average consumer where you can have your dental bills cut in half or more while still paying a low premium.
Where Can I Find Cheap Dental Insurance?
If you are a member of certain organizations like a credit union, a rotary club, AAA or AARP, you can find access to cheap dental insurance plans that others do not have. For example, the AARP partners with Delta Dental to give you two options for cheap dental insurance plans. Yes, you have to pay a fee to be a member of the organization, but the perks and opportunities offered usually make it worth it. Our site has information on cheap dental insurance plans available in your state. Another great site for dental insurance information is eHealthInsurance.com. There you can find comparison tools in the dental section to aid you in your search.
Why Should I Get Cheap Dental Insurance?
Dental care involves a lot more than just the occasional checkup and cleaning at the dentist. There are biannual cleanings, diagnostic services like x-rays, repairs to teeth and existing dental work, dentures, braces, crowns, extractions, root canals and more. Most dental diseases are preventable with regular dental care, so you should definitely get cheap dental insurance to keep your expenses low. If you are looking for dental insurance for yourself, just your children, or for your entire family, you are sure to find you are sure to find something that meets your needs.
Whatever you do, do not go without insurance. It may just be Murphy’s Law, but something is bound to happen when you are uninsured to leave you with bills you cannot afford to pay. Pay a little each month toward your dental insurance premium, and you will save yourself the agony of expensive dental bills if you need something done without insurance.