Dental health is a fundamental part of a person’s health. An individual is not healthy if he has diseased and neglected teeth.
However, many people concerned about their health obtain health insurance and do not include the dental policy, thinking only of the economic aspect of the premium. Or they even refuse to contract any of the multiple dental plans that, for quite affordable prices, could provide protection to the whole family.
The most useful pretext is that, in the end, you always have to pay the dentist. And they are very expensive. However, there are plans that guarantee great discounts on x-rays, cleanings
and in almost all prophylactic work. In addition to discounts of 15% or 20% on jobs considered older.
When contracting a good dental plan, you must know in advance what the annual maximum that the insurance will cover in that plan and the dentists that are included will be. This allows you to schedule visits and stay within the coverage provided by the plan. Especially spacing the bigger jobs.
For example, if the maximum that the insurance covers is $ 1,500 per year and the patient needs to do a job considered older, they can arrange with the dentist to start attending the end of the year and finish the job the following year. And thus benefit from the two maximum annual coverage.
Another fundamental aspect is knowing in advance how long the plan waiting period is. Most employer-contracted dental plans have no waiting period. Not so those hired in a particular way. These do include a waiting period from which the patient will be given coverage, especially in major jobs.
The most sensible thing to do is to call an insurance agent and ask her all the necessary questions to know how dental plans work and what dynamics one can implement to benefit from them at a lower cost.
The indisputable thing is that dentists are very expensive and the way to make them cheaper is only through dental plans, used intelligently.