Dental Insurance

Healthy teeth are more important than most people know – new research indicates that gum disease plays a part in heart disease and strokes! Good oral care is part of a sensible health care program, but it is something that many avoid due to high costs.

Dental insurance can help. It is less expensive than other types of health insurance and provides a variety of cost saving options. Consider adding a rider to your existing health insurance plan or buying a separate policy. Also consider a discount program if you are not currently eligible for an insurance plan.

There are three main options available to help defray the cost of dental care. These include traditional insurance policies as well as discount plans.

Dental Benefits: Added to your current health insurance policy, the cost is added to your monthly premium.

Dental Insurance: This is a separate policy, just for your dental needs. Usually, these are managed care-type plans (PPOs or HMOs).

Dental Discount Programs: These offer reduced fees on dental procedures. Membership is often quite reasonable and the discounts can be significant. There is no waiting period and membership is open to anyone. There are no forms to fill out; services are usually discounted at the time of service.

It is important to protect your teeth. A sensible preventive maintenance program can save your smile and protect your health. While going to the dentist will never be something people look forward to, reducing the costs associated with quality dental care can make it a little less painful.