Otherwise, you will pay cheap premiums, but when time comes and you need coverage you will not have the amount of coverage that you need.
If you are currently employed, check to see if your employer does sponsor any dental coverage for you. If yes, this is the cheapest way to go, so find out all the other details of the employer sponsored dental policy. There are typically three types of such plans: the fully funded employer plans (the employer supports 100% of the costs), partially funded employer plans (the employer pays 70% or 80%, while the rest is paid for by the employee), and the fully funded employee plans (100% of the costs supported by the employee, while the employer pays only for the administrative costs).
Then, keep in mind that yearly dental policies might be a much more affordable solution. In the long run, you will save quite some money. If you are paying every month for the premiums, and you add up the amount for the entire year, you will see that your dental insurance could be even $100-$150 more expensive than if you would have chosen a yearly dental plan. You just need to pay a lump sum once a year, and then have the peace of mind that you have the right coverage for the rest of the year.
The deductibles vs. premiums insurance battle…If you generally have a good dental health, and you are not worried that you will need dental bridges, oral surgery or gum disease treatment, then you should choose a dental policy with low premiums and a higher deductible. Chances are you will not need to use too much and often your insurance coverage, so it is better to pay steady and low amounts of money for the insurance, and when you need to use the policy you will pay a higher deductible.
On the other hand, if your dental health is quite problematic, this means you need to visit the dentist more often. A wiser solution in this case would be to choose dental insurance with higher monthly premiums, and a lower deductible. Your costs will be spread in a more balanced manner, and when you need to pay that deductible you won’t have to take out of pocket huge amounts of money at once.
Also, you should use the dental insurance comparison shopping websites. On these sites, you will be able to compare rapidly many types of coverage, with different exclusions/extra additions, so you can make a better informed decision. Since you also need flexibility, you should choose a dental insurance which gives you access to a wide network of dentists and dental specialists that you can choose from. You definitely need to spend some time online on the research, but eventually you will find the right type of policy which is tailored to suit your needs and your budget.