Major dental work is expensive, and if you do not have insurance coverage on your job, you might have to buy private dental insurance. While it is true that insurance companies do not write unprofitable policies, dental insurance is different from most insurance policies. The risk of not having homeowner’s or health insurance is greater and insurance companies know this. However, the risk associated with dental insurance is lower and can result in lower premiums.
You have the option of selecting a private dental insurance plan based on your choice of providers and what you can afford to pay for procedures. The best plan for your money is the one that includes your dentist. You can automatically select the least expensive plan. The amount of the premium will depend on the insurance company, where you are located and the dental insurance plan.
Private dental insurance can potentially reduce your overall cost of dental expenses. The insurance company pays a higher portion of the dental treatments that you receive. This type of plan also protects you from dental emergencies which can be much more expensive than regular visits.
Private dental insurance plans are generally more suitable if you need frequent dental treatments. However, you can save money if you only require standard cleanings when premium payments do not exceed the cost of service. If you have a recurring dental problem or require intensive cleaning and maintenance, this is the right plan since not all regular plans adequately cover advanced procedures.
Do not select a private dental insurance plan that has a low annual maximum limit if you require more than the standard treatments each year. For example, if your plan has a $1,000 maximum and your dental bills exceed that amount, you must pay the remaining amount plus the insurance premium. At-home care of your dental health with flossing and brushing regularly will contribute to the savings you can realize with a good dental insurance plan.