In this day and age of reduced benefits by employers, you may find yourself under-insured or uninsured against large dental expenses. People who are non-traditional workers, such as a freelance writer, temporary or part-time employee, student, or someone whose employer offers no or very basic dental coverage can benefit by purchasing supplemental dental insurance. This is insurance coverage you obtain on your own and not as part of an employer group.
If you are facing dental expenses and have insurance through your employer, your first step in determining whether the coverage is adequate is to get all of the details possible about your plan. Ask your employer, go online to the insurer’s website or make a call to the insurance company to get a detailed description of what services are covered.
Should you find the insurance to be insufficient for your needs and you are not able to afford the difference out-of-pocket, it would be a good time to consider purchasing supplemental dental insurance. A Google search of that term will bring up several options to choose from.
Once you have the names of the companies that provide supplemental dental insurance, there are some important factors to consider before making your final decision. First, know that you may be eligible to purchase additional insurance through the plan you already have with your employer. If that is not an option or you do not have employer-sponsored insurance, shop around for places where you could purchase with group buying power. A few examples of this would be through a local credit union, a professional organization or the American Association of Retired Persons.
Shop around to find the right insurance company to fit your needs. Be sure to ask if there are exclusions for any pre-existing conditions, whether there is a maximum annual benefit limit, and if there is a waiting period for restorative services. Consider your budget when determining how the insurance plan will be billed, whether it will be monthly or some other way.
Many people who seek supplemental dental insurance do so because they need more than the basic services that employer-sponsored plan generally provides. Braces, root canals, dentures and bridge work can add up quickly and really take a “bite” out of the family budget. Knowing there is another insurance plan available to keep costs under control is a peace of mind that people are willing to pay for.
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