Have you wondered how to get affordable dental insurance that includes all your oral care needs? Though you know that going for regular dental checkups is important to your overall health, finding affordable dental insurance with adequate coverage can be difficult. Since the Affordable Care Act of 2010, however, more Americans have gained access to affordable health and dental insurance.
How to Get Affordable Dental Insurance in 3 Simple Steps
1. Decide what type of insurance policy you need. Some medical insurance plans include dental coverage, while others do not. If you decide on a healthcare plan that does not include dental, you can sign up for a supplemental dental plan that requires its own premium.
2. Decide how many people need coverage. Are you shopping for an individual dental plan or a family dental plan? Dental coverage for children is considered an "essential health benefit" for individuals who are 18 years of age and younger, so finding an affordable family plan if you have children is important. This does not mean that adults do not also need coverage, however. It helps to find a dental insurance plan that covers preventive and diagnostic exams and services, as well as restorative dental procedures.
3. Decide on a budget. Some dental plans do not have a deductible, meaning the services you need are immediately covered by your policy without you having to first meet a minimum out-of-pocket amount. Other dental plans may have a deductible, but usually have reduced monthly premiums as a result.
At HealthMarkets Insurance Agency, we’ve already done the research, so you don’t have to. In fact, we’ve created a portfolio of products from more than 180 insurance carriers recognized nationwide. No matter what your medical needs and budget, we’ll find a plan that works for you. We want to show you how to get affordable dental insurance. It’s easy. Just contact HealthMarkets online, over the phone at (800) 360-1402, or find a licensed representative today!