Bundling insurance services sounds like the easy thing to do. The perception is that bundling gives us what we need and saves us money! But that’s not always the case. Sometimes we don’t need—or even want—everything a bundle offers. If you combined your cable, internet, and phone services, there was a good chance you were going to save some money. But when it comes to dental coverage, we’ll explain why you’ll want to have stand-alone dental insurance.
Buy in bulk at a warehouse, and you’ll typically get more bang for your buck. That concept is being replaced by a new one. Consumers are seeking a-la-carte options, and they’re becoming more popular. People choose separate movie and television streaming services, music streaming services, home security providers, ride sharing services, and more. They’re able to dictate exactly what they want without adding extras that they don’t need. This same concept should be applied when it comes to bundling dental and medical coverage. If they remain separate, you’ll pay for what you need and not what you don’t. Stand-alone dental insurance is the way to go for cost-savings and personalized coverage.
Don’t believe us? Here are the three reasons to subscribe to stand-alone dental insurance over bundling in other benefits:
1. Medical plans and dental plans operate under drastically different models.
Dental insurance plans are different. They operate under a preventive model. Preventive care plans have benefits that are designed to help stop more serious health issues before they start. They also help to identify problems in their infancy and resolve them before they get worse.
Annual dental exams, routine cleanings, updating X-rays, and fluoride treatments are considered preventive. They’re part of a preventive treatment plan designed to keep you happy, healthy, and on track to avoid more costly restorative treatments.
2. Stand-alone dental insurance gives you more choices
Delta Dental works directly with dentists to create a broad network featuring providers all over the nation. In fact, our dentist network is the largest in the country! Not just choices of providers but choices of plans as well. We help you get a plan that works for your individual dental needs AND your wallet.
3. Individual plan options help you save
Delta Dental gives you greater access to participating providers. You’re more likely to stay in-network and enjoy lower out-of-pocket costs because of our large network. Bundling your dental and medical coverage could stick you with higher expenses. It can be costly to meet medical deductibles and out-of-pocket maximums, regardless of your health needs.
At Delta Dental of Colorado, our stand-alone benefits plans offer quality, cost-effective choices with your family and your well-being in mind. Missing work (whether due to your own oral health concerns or a child’s) costs money and time. Proper preventive care, coupled with daily brushing and flossing, will keep you healthy and smiling.
Interested in learning more about our individual insurance plan options? Visit our website to view our offerings and even get a quote online.