Full-time employees of companies are given the chance to get health coverage, including dental, usually at a reasonable cost. Freelancers, part-time employees and contractors generally don't have this privilege. That doesn't meant that they can't get low cost dental coverage for themselves. It just means they will have to know a few things to find the best and most affordable plan for them.
When it comes to dental policies, there are two main types, family and individual. Anyone who is single and doesn't have children or dependents can opt for the less expensive individual plan. Those who are married or have children, regardless of marital status, will probably want to opt for a family plan to cover kids or spouses.
Though family and individual plans cover the two basic types of coverage, each plan offered by various companies is very different from each other. Some are very basic and only cover some dental work or checkups, while others are much more complete plans that cover everything. Based on your dental health, you will have to choose which one you want.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
Limits are yearly and lifetime maximums that the insurance company will pay. For example, the plan may only pay $50,000 a year, which means if you need procedures beyond that amount in a given year, you may have to either pay out of pocket or wait till the next year when a fresh plan kicks in. Always check the limits and make sure they are agreeable to you.
Oral surgery and orthodontics are an important part of your dental health, but they aren't covered in every policy. Check the fine print and make sure that both are covered, or else you could find yourself paying out of pocket should you need oral surgery or if you or a child need braces.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
When it comes to dental policies, there are two main types, family and individual. Anyone who is single and doesn't have children or dependents can opt for the less expensive individual plan. Those who are married or have children, regardless of marital status, will probably want to opt for a family plan to cover kids or spouses.
Though family and individual plans cover the two basic types of coverage, each plan offered by various companies is very different from each other. Some are very basic and only cover some dental work or checkups, while others are much more complete plans that cover everything. Based on your dental health, you will have to choose which one you want.
Some plans may seem really affordable on the surface, but can become very expensive when you start to actually use them. Many plans with low monthly payments may have large deductibles that could cost you a lot more in the future. For instance, you may find a plan that is only $25 per month, which is a good price. However, if that plan has a $1000 deductible, that means you have to pay the first $1000 in costs up front, and then the insurance kicks in. You may want to go for a plan that has a higher monthly premium, but a much smaller deductible.
Limits are yearly and lifetime maximums that the insurance company will pay. For example, the plan may only pay $50,000 a year, which means if you need procedures beyond that amount in a given year, you may have to either pay out of pocket or wait till the next year when a fresh plan kicks in. Always check the limits and make sure they are agreeable to you.
Oral surgery and orthodontics are an important part of your dental health, but they aren't covered in every policy. Check the fine print and make sure that both are covered, or else you could find yourself paying out of pocket should you need oral surgery or if you or a child need braces.
Most plans have preventative care covered in the policy, such as yearly checkups and even periodic teeth cleanings. These help prevent other, more costly dental emergencies later, so most insurance companies will pay for these completely, or only charge you a small deductible or co-pay for them.
Whether you are single or have a family, getting coverage for your dental health is a big deal. Decide how much you can spend each month on a policy and then go shopping for the one that covers the most in your price range. You will be well on your way to affordable and comprehensive care.
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