Dental insurance is financial coverage for preventative and treatment-based dental health care. A person pays a dental health insurance provider premiums in exchange for guaranteed payments of benefits on covered services. Many people participate in group-based PPO or HMO provider network plans.
One of the easiest ways to get dental insurance is to sign up for the plan offered by an employer or spouse's employer. Many employers offer dental insurance as a part of a benefits plan. Signing up for dental insurance can be as simple as talking to the human resources department about which option
Get free dental work through dental schools, government-sponsored programs, free clinics and local dentist associations. Dental care becomes even more important as individuals advance in age. This is because the teeth become prone to decay and damage, notes Forbes.
For those people seeking good dental insurance, consider Delta Dental, Guardian or United Concordia Dental. These dental insurance providers are the top three rated by ConsumersAdvocate.
Delta Dental, Renaissance Dental and Guardian are the highest ranked dental insurance providers, according to the Consumers Advocacy Group. Delta Dental and Renaissance Dental have ratings of 10 out 10, and Guardian has a rating of nine out of 10, as of 2015.
Compare dental insurance plans at DentalPlans, DentalInsurance.com and TopTenReviews. Each website features a database of various dental plans that differ by state, cost and coverage.
Among the top 10 dental insurance plans ranked by Consumers Advocate, as of 2015, are plans from Delta Dental, Guardian Dental, United Concordia Dental, Ameritas and Cigna Dental. Others include Metlife, Renaissance Dental, Aetna, Careington and Premera.
Some medical plans roll in dental insurance so that it's part of one plan and premium. It is possible to purchase dental insurance coverage without having medical insurance.
To apply for dental insurance, go to the dental coverage marketplace at HealthCare.gov, or visit a website that offers a wide range of private dental insurance plans. The federal marketplace has add-on and standalone dental plans, according to HealthCare.gov.
Dental insurance is important for seniors because poor oral health can cause general health difficulties, according to LifeHealthPro. Although not having dental insurance does not preclude good oral health, seniors may forgo regular dental treatment if they cannot afford to pay for the expense out o