The market is filled with plenty of offers, one more inviting than the other. However, when you buy dental insurance on impulse you are most likely to be surprised when you need to go for a dental cleaning, that you have to take money out of your pocket.
Continue reading to find out which are those freebies that you should look for when shopping for the perfect dental insurance policy or dental discount plan.
The perfect plan should cover for the two annual dental checkups. Every six months you need to go to the dentist for a checkup, and if your plan is indeed a good one, you will not have to pay anything.
After all, it is in the best in interest of the insurer to cover fully for these checkups. You can prevent this way any complex dental problem, so the insurer will not have to support expenses for complex dental problems…Good for you, good for the insurer.
A truly affordable dental insurance or dental discount plan will also offer you one free thorough dental checkup. Such an in depth checkup costs around $100, without any coverage.
If there is any complication found during the thorough dental checkup, the next step is that the dentist will order a dental X-ray.
A full mouth dental X-ray is around $30 or $40, while a four bitewing X-ray is more expensive, at about $70. If your dental insurance covers for one or two such X-rays, you again saved some important money.
Just imagine, only for the thorough dental checkup and the dental X-ray you already saved about $140. You just need to pay for the regular premium a few dollars per month, and you can benefit of these great advantages.
If you manage to find a dental coverage plan that offers plenty such freebies, you can save annually several hundreds of dollars. Be careful however, because a plan with too many freebies will generally come with ultra expensive fees for basic dental procedures such as dental fillings for instance.
You should take your time and analyze carefully these plans, check out the exclusions and limitations, make a quick calculation and make sure it is indeed worth it to buy that respective insurance.