You Need Dental Insurance!
I guess that I could say that you need to get your teeth cleaned. It had been a while since my last teeth cleaning. I have dental insurance but have been putting it off.
I’ve always had dental insurance. I believe that dental insurance is important. I am not afraid to have my teeth cleaned or scared of what the dentist might find.
My dental insurance has not always been the best but that’s OK. Any good dental insurance plan will usually provide two cleanings per year in addition to one set of X-rays.
When you realize that you need dental insurance it may be too late to have your dental insurance plan actually pay for anything. Most dental insurance plans have exclusionary periods. Think of it as a time based deductible for dental insurance.
People have a tendency to put off buying dental insurance if they don’t have it. Their teeth usually don’t fall out of their heads. Buying dental insurance is a fairly quick and painless process. However, you would want to check the fine print if you wait till there are problems with your mouth.
Cavities, crowns, bridgework, heavy scale may all not be covered for some time after you get your dental insurance policy. Check the terms and conditions carefully. Even more important when deciding what dental insurance plan to get might be to check the exclusions. This type of more extensive work is usually excluded on most dental plans for at least the first year and sometimes even longer.
I guess that makes sense. The dental insurance companies don’t want to get stuck paying big bills for people who ignore their dental health for years at a time, and then when it gets so bad, they decide to just go and buy a cheap policy expecting their dental insurance to cover big bills.
Oh yeah. And when you are trying to determine what type of dental insurance plan to buy that is right for you and your family, make sure that you are actually looking at a dental insurance policy or plan. Many discount dental plans are just that and not dental insurance. They often try to make themselves look like dental insurance plans by providing similar sounding coverage. In effect, what you are buying is a prepaid card or membership that enables you to receive a reduced or stated fee for dental work and dental services.
If your mouth is in really bad shape, one of these discount cards may even be better than dental insurance. The discount plans often don’t make you wait to use your benefits like dental insurance plans do.