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Only one-third of all Americans between the ages of 35-44 have all of their permanent teeth left, according to government dental insurance statistics.
Purchasing dental insurance is a task that no one really looks forward to. It can be a quite difficult experience at times, and it is always challenging to figure out if you truly got good dental coverage or not. Here are some tips on making sure your dental insurance purchase is a successful one:
1. Be sure to shop around - Dental insurance companies vary their rates dramatically, even for those that offer similar levels of services. Try to get quotes from at least 3-4 insurance companies, if not more. You will likely notice differences of hundreds of dollars between the rates they will quote you for their dental plans.
2. Look for a dental plan that covers both preventive care as well as repair of dental problems.
3. Raise your coverage deductible. The deductible is the amount you pay for care costs before the dental insurance company covers the rest. Many people choose low deductibles, thinking they don't want to pay out of pocket. However, setting up a dental insurance plan with a low deductible may dramatically increase your coverage costs. Raising your deductible to what you feel comfortable with may help greatly lower your dental insurance costs.