Good dental health is essential for your overall wellbeing, but dental treatment can be expensive, and that's why it's a good idea to take out dental insurance for you and your family. Your dentist or insurance broker will be able to recommend a good dental insurance plan that's affordable and suits your needs.
So, should you invest in a dental insurance policy for you and for your family? Here are four important things that you should know before you sign on the dotted line.
How dental insurance works
Dental insurance works by offering percentage discounts off some dental treatments, making regular dental work more affordable. Most plans cover routine care, cosmetic enhancement, etc., but it's important to check exactly what's covered and how much you can expect to contribute towards the final bill.
Note that there is also a cap on the amount that you can claim on your policy each year.
Work out if a dental insurance policy is cost-effective
Some employers offer dental insurance cover to their staff members as part of their employment package. If you're paying the premiums yourself, you should work out how much you usually spend on dental treatment each year versus the premiums you'll pay and the amount you can claim.
Check that the policy doesn't limit your options
Not every dental insurance plan is the same, so you must check to see what's covered. Although most plans cover routine cleanings, check-ups and repairs, some don't pay for implants, crowns or orthodontics.
Some policies also demand that you see a dentist who is part of their approved network.
Ask your dentist for advice on managing your family's dental care expenses
Your dentist's staff will be familiar with working with insurance companies on a daily basis. For this reason it's a good idea to discuss the pros and cons of taking out dental insurance with your dental clinic staff. They may be able to guide you as to whether the cost of a dental insurance policy would be worth it for you and your family.
In conclusion
Dental insurance can be a very helpful financial aid to ensure that your family receive all the dental care that they need without overstretching your budget. Bear in mind the above considerations before making a decision and always have a chat with your dentist for more advice and guidance on choosing the best dental insurance policy to suit your circumstances.
