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How to Buy Private Dental Insurance

By Edited Jan 14, 2014 0 0

Private Dental Insurance

Compare Private Dental Insurance
Private dental insurance plans are available for those who are unable to receive dental coverage through an employer, and for the self-employed, who may be in need of an individual dental plan. Private dental insurance provides many advantages over the group dental plans available through employers. One of the biggest advantages is the ability to select your own dentist. Although the cost of private dental insurance premiums sometimes costs more than group PPO dental plans, the premiums do not increase with age.

Depending on the insurance company, private dental insurance requires payments to be made on a monthly, quarterly, or annual payment schedule. Private dental insurance payments are usually arranged as a direct debit from your bank account, or you can submit online deposits into your insurance account yourself instead. Some private dental insurance companies also allow credit card payments. When you begin shopping for private dental insurance, you should carefully compare your options and even speak with a company representative if necessary, so you can find the best dental plan for your needs.

Step 1

Find Trusted Private Dental Insurance Providers

Find The Best Dental Plans
Find private dental insurance providers online that have an actual physical address. When you're comparing individual dental plans online, steer clear of heavily advertised companies that send email solicitations. If a company tries so desperately to get your business, you may want to consider purchasing private dental insurance through a different company. You can always choose from one of the big well-known insurance providers, but the rates may be higher. Once you have found a legitimate private dental insurance plan, it would be wise to visit the website of the Better Business Bureau to see if there have been any complaints filed against the company.

Step 2

Compare Private Dental Insurance Expenses

Find out private dental insurance costs
Compare quotes and find out the co-payment expenses for each visit. Private dental insurance plans each provide different co-payment amounts and some plans charge extra fees in addition to co-payments. If you don't understand the details and expenses of your private dental insurance plan, you could end up paying too much. A cleaning could come with a co-payment, and then extra fees for fillings or x-rays. Find the best dental plan by understanding the terms and conditions for each private dental insurance plan.

Step 3

Compare Private Dental Insurance Coverage

Compare private dental insurance coverage
Choose a private dental insurance plan that provides coverage suitable for your expected dental needs. Unlike some full coverage dental insurance plans that provide more coverage, procedures such as extractions, cavaties, root canals, and crowns have different limits for coverage, and depending on the plan, they may not be covered at all. If you have kids in need of braces or other orthodontic procedures, you might want to consider orthodontic insurance instead of private dental insurance. Most importantly, find out the maximum annual coverage amount for each private dental insurance plan you're comparing. If you exceed the annual limit, you'll have to pay for the remaining balance out of your own pocket. Dental work can get pretty expensive and many plans have low limits for annual coverage. To receive proper coverage, it may be beneficial to purchase a suppplemental plan on top of private dental insurance, or choose a better plan all together.

Step 4

Private Dental Insurance Might Not Pay For Pre-Existing Conditions

Private dental insurance may not cover pre-existing conditions
Choose private dental insurance that will treat and pay for pre-existing conditions. Unfortuntely, many individual dental plans do not pay for pre-existing conditions, but if you look around online, you might be able to find a plan that does. In many cases, private dental insurance requires the policy holder to be placed on a certain waiting period before they will cover major dental work. Of course, that's how insurance companies make so much money.

Step 5

Choose A Private Dental Insurance Plan That Offers LETA

Choose private dental insurance with LETA
Select a plan equipped with LETA (least expensive treatment alternative). This means that in the event of expensive dental procedures, your dentist will complete the least expensive treatment so you can avoid paying too much. If the plan doesn't mention LETA online, you might want to call a representative and find out. You should also find out if you're able to choose your treatment option.



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