How To Get Dental Insurance At Any Age Even If You Already Have Perfect Teeth!
As you get older, it becomes more and more important to have great oral hygiene and routine dental care. But did you know you can now buy dental insurance at any age? That means if you already have perfect teeth, you can still enjoy the benefits of great oral health.
After years of hearing “You only get one set of teeth,” most people dread the idea of going to the dentist. But, that’s no longer the case.
With the proper dental insurance, you can get the treatment you need without breaking the bank.
Did you know there are almost no dental insurance policies for people over 35? Well, thanks to a few smart entrepreneurs, there is now a solution for this age group. It’s called “Buyer Protection” and, if you are at least 35 years old and have been paying attention to the news, you already know what it’s all about.
1. Compare the Cost of Dental Care For Each Type of Coverage
Let’s face it: most of us need dental work at some point in our lives. However, many of us don’t like going to the dentist. That’s why it’s important to know what you are really getting when you purchase dental insurance.
By comparing the cost of care among different insurance companies, you can find the plan that offers the best value for your money.
In this example, the writer compares three dental insurance plans.
The first plan, from Delta Dental, costs $2,000 per year and covers only emergency dental work. The second plan, from MetLife, costs $2,700 and covers everything except cosmetic dentistry. The third plan, from Unumpreneur, is the best of all.
It costs only $390 per year and covers everything from cleaning and fillings to root canals and other more complex procedures.
2. Choose The Level of Insurance That Fits Your Needs
Everybody needs some dental insurance, but the level of coverage you need will depend on your personal situation.
Here are a few things to think about: If you’re in good health and don’t have any existing dental problems, you probably only need minimal dental insurance.
You see, if something does happen to you, the cost of your dental care will be taken care of by your regular health insurance.
However, if you do have existing dental problems or are at risk for developing them in the future, you should consider a higher level of coverage.
3. Visit Your Dentist Regularly to Detect Early Signs of Problem
One of the best ways to ensure you and your family stay healthy is by having a dentist who is an “insurance expert”.
The way it works is, if your dentist detects a problem early enough, he will repair or replace the damaged tooth and treat you with the dental insurance you purchased.
Of course, this requires you to keep your dentist up-to-date with any changes that may occur in your medical history.
4. Shop Around For The Best Price
Remember, there are plenty of dental insurance plans available. So, the first step in getting the best value for your money is to shop around. Don’t just go with the company your employer uses. Go with other options too.
Shop around for dental insurance on your own or with the help of an agent. Agents can often find dental insurance plans that are not available through your regular job search.
They can also help you compare the cost of various policies and make sure you are getting the best value for your money.
5. Look for Dental Insurance Agents In Your Area
Another option is to use an independent agent. These agents work for a percentage of the sale they generate. They can offer a wider variety of dental insurance plans than your HR person at work.
Plus, they have an “in” with all the major insurance companies. So, if you have complex insurance needs, this may be the best way to go. Here are a few things you should consider when searching for a dental insurance agent:
- Check with your local Chamber of Commerce. They will often list insurance agents in your area who specialize in selling dental insurance.
- Check with your State Dental Association. They may have information about local agents who sell dental insurance.
- Check with your local hospital. Many hospitals have retired dentists who may be willing to discuss dental insurance with you.
- Check with your current or former employer. If you are currently insured through your employer, ask your human resources department if they know of anyone who might be interested in talking to you about a dental plan. If you had dental insurance through your previous job, contact your former employer’s agent or broker. They may still have details about plans they can share with you.
- Check with your current or former insurance agent. If you have life, health, or home insurance with an agent, see if he knows of any dentists who might be interested in selling dental insurance. Agents are often very aware of what their clients are interested in and might have some ideas about companies that would be a good fit for you.
Conclusion
Did you know that nearly 1/3 of all adults over the age of 65 do not have dental insurance? That’s right, folks, the good old U.S.A. still has the highest percentage of dentally uninsured people of any major country in the world.
To demonstrate how serious this situation is, here are some facts: Almost 6 out of 10 people with dental problems cannot afford to pay for treatment. More than 60% of adults with untreated dental problems eventually require treatment by a dentist they cannot afford. This results in more than 50 billion dollars in expenses each year.
Overcrowding and improper care is the number one reason for the need for dental treatment. Untreated decayed or damaged teeth can cause pain, infection, and even the loss of a tooth.
Many people who need treatment do not get it because they do not have dental insurance. This is a national tragedy. It is also a financial burden for our health care system.
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