It’s important to have access to a variety of family health and dental insurance plans, so knowing what to consider when choosing a public or private policy can maximize the amount of coverage you receive. When you purchase health and dental insurance policies that fit your needs and budget, your family can benefit from truly comprehensive healthcare coverage.
When looking for public or private health and dental insurance plans for your family, consider these five important factors:
- How often do you or family members visit the doctor?
- Do you already have preferred doctors or practices in your network?
- What prescription coverage would work best for your family?
- How do the plan’s premiums, deductibles, and copays fit into your budget?
- Does the plan include health insurance only, or does it also offer dental options?
It's important to note that changing plans or adding on dental insurance is only necessary to cover the adults (over 18 years of age) in your family for preventive care. Dental and vision coverage for children (18 years old or younger) is an essential health benefit that insurance companies must make available under the Affordable Care Act.
However, there are still ways to find dental insurance plans at an affordable cost.
Two Ways to Get Dental Coverage
There are two ways to get dental coverage as a part of your health insurance plan.
One option is to get a health plan that includes dental insurance through an insurance marketplace. Selecting this option may have you change your current health insurance plan. HealthMarkets can help you navigate this addition or help you change your plan.
Another option is to purchase a stand-alone dental plan in addition to your current health insurance policy. This may be a better option for families who aren't currently covered for dental insurance; for those wanting different dental coverage than what your insurance provider offers, this option may also appeal to you.
If you're looking to change health insurance plans or need help looking for independent dental coverage, HealthMarkets Insurance Agency can help you find a plan that suits your needs.
We can help you compare thousands of family health and dental insurance plans with our access to over 180 recognized and trusted health insurance companies nationwide. Let one of our knowledgeable, licensed agents help get your family the coverage you need. Find a local agent today, or call (800) 360-1402.