Dental insurance options for your family without having to work for a large company
Now that you are your own boss, you don’t need to work for a large company to get dental insurance.
Tooth decay, gum disease, and oral cancer can all be prevented, or at least diagnosed and treated early, with regular visits to the dentist. Whether you decide to finance your dental expenses, purchase a dental discount plan or buy dental insurance, it will help you get the dental care you need to maintain a healthy smile.
Financing Your Dental Visits
Pro: See any dentist you want, no monthly premium payment
Con: More expensive dental costs, large payments are due at the time of service, unknown costs and limited cost protections
Dental Discount Programs
Pro: Lower annual fee, receive dental services at a reduced cost or discounted fee
Con: Limited choice of dentists, some dental services are not eligible for discounts, larger payments due at the time of service
Individual Dental Insurance
Pro: Full coverage plans similar to an employer’s dental benefits, minimal cost or no cost for preventive care, broad choice of network dentists, lower costs for dental services
Con: Monthly or annual premium, may not be able to use benefits immediately
Remember to weigh your options and determine the best path to keeping your family’s smile healthy. Call your local insurance agent, check out dental discount programs online or contact the dental insurance carrier directly.
Resources: Independent Insurance Agents of Iowa, Delta Dental, www.ehealthinsurnace.com.