How To Find Affordable Dental Insurance

Finding low cost health insurance is not easy, but finding affordable dental insurance proves even more difficult. If you are self employed or don’t have ihappy-toothnsurance through your employer you may find that insurance could cost over 2,000 a year for two people. That is outrageous.  If you are looking for affordable dental insurance, here are some tips to help you along the way.

Check with your dentist – Many dentists offer savings plans that allow you to have as many exams, cleanings and x-rays as you need per year at an affordable rate. Other procedures such as crowns or implants may be offered at a discount.

Comparison shop – Like you do when you make any kind of purchase, compare the coverage and premium prices of different plans to see what fits you the best.

Check benefits of warehouse club – If you have a warehouse club membership such as Costco, they may offer dental insurance.

Your alma mater – You may receive certain benefits as an alumnus of a certain school.  One might be dental insurance. Check into it to see if it will work for you.

Check the new health care marketplace: Dental insurance is not mandatory so it’s not offered by all states but some do.  Some include it as part of health insurance and some offer it as a standalone product.

Get a part time job – Many companies offer insurance benefits for part time employees.  This may be the best solution for you.  The group discount alone can save you a lot.

To see more ideas on how find affordable dental insurance and also to see tips on ways to save on dental procedures, check out the article on Fox Business here.

Affordable Care Act and Dental Health

29625285-stethoscope-with-symbol-of-medicine-caduceus-3dThe Affordable Care Act has been in full effect for months now and still people are experiencing the affects of it.  One area that it seems to affect less than other areas of health care is dentistry.

More children are now covered for dental care as of January 1, 2014.  Pediatric oral health services are included in the new policies.  Around 800,000 adults were expected to gain extensive coverage through health insurance. Seniors likely saw the smallest increase in benefits.

Preventative dentistry is still the best way to minimize dental and oral issues. This includes brushing and flossing daily, eating healthy and decreasing sugar intake and also using fluoride.

How Will the Affordable Care Act (“Obamacare”) Affect Dental Insurance? | Pinecrest Dental.

Dental Care On A Budget

dental budgetYou don’t usually hear of someone jumping for joy when it comes to going to the dentist. However, a study conducted by Consumer Reports found that generally, Americans are extremely satisfied with their dental care, and rate it higher than most other services. But that doesn’t mean everything is on the up and up in dental care in the U.S. The same study also reported that cost was the number one reason Americans delay going to the dentist. When money is tight and you’re looking for ways to save, you may be tempted to put dental care on the back burner. But bad oral health is something you and your family simply can’t afford! There are things you can do to not only keep dental costs down but keep trips to the dentist minimal.

  1. Talk to your dentist about preventative care. As much as your dentist may love to see your bright and shiny smile (perhaps thanks to them), they know the less they see you, the healthier your mouth is, most likely. So talk to them about what you can do at home to help make that happen. Ask them concerning things like brushing properly, flossing, eating right, regular cleanings (yes, those are necessary so that you don’t have a bigger bill for a cavity, or worse, later on) and anything else they can suggest to help keep your mouth in tip-top shape so that you don’t have to break the bank for procedures that could have been prevented by sound oral care.
  2. Look into dental insurance. Health insurance plans differ on their coverage when it comes to dental work. Depending on the plan, there may be no coverage, or perhaps only for emergency procedures. Because of this, it’s important to know exactly what is and what isn’t covered in your existing insurance plan so you can look at your options when it comes to getting additional dental insurance. Learn more in depth about what dental insurance is, how it works, if it’s worth it, and things to consider in our article, Is Dental Insurance Right For You?
  3. Know all your options.  In addition to dental insurance, there are other aids to help you pay dental bills ranging from programs to places that can do procedures at a discounted rate. These can include discount dental programs, government assistance, dental schools and health centers, non-profit organizations and CareCredit, just to name a few. To find more about each of those options, check out our article, Get Help Paying Dental Bills.
  4. Create an actual dental care allowance in your budget. The best way to prevent scrambling when it comes to paying for your family’s oral health is budgeting and being prepared. Here’s how to do it in 4 steps:
    • Step 1: Check your coverage – going back to #2 here, know exactly what your insurance does and doesn’t cover.
    • Step 2: Call your provider – price out general costs for the procedures you know you’ll need done and need to budget for (like cleanings twice a year and x-rays). Factor in some extra money just in case of emergencies. Now that you know your coverage, factor in what costs your insurance will cover, co-pays, etc. and create an estimate cost of your visit. If you don’t have any coverage, look at the options mentioned in #3, talk to your dentist about a payment plan or discounts for cash payments and calculate a total cost.
    • Step 3: Calculate the annual cost – using the numbers from the previous step (remember to factor in your coverage and any deductible requirement).
    • Step 4: Create the monthly budget – divide the annual cost calculated in the previous step by 12 to find the monthly amount to set aside in your budget each month. You won’t have any worries or discerns scheduling your appointment once you have the funds waiting in your bank account!