Dental insurance is an important component in protecting you and our family’s oral and overall health. The cost of dental care has risen over the last few years, and the bottom line is that dental care can be very expensive. Without a dental insurance cover, the out-of-pocket costs of dental treatment can quickly add up. According to a recent study, nearly 80 percent of Americans with dental insurance visit the dentist at least once per year compared to about 50 percent of those without dental coverage.
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3-Point Checklist When Shopping For your Family Dental Insurance Long Island NY
Monthly Premiums
The monthly premium costs are just one part of the total cost. The amount may vary depending on the level of benefits you need. For instance, a plan that has low deductibles and high annual maximums can be more expensive compared to another plan with high deductibles and lower annual maximum.
Deductibles
If your family dental insurance Long Island NY cover has a deductible, you will have to pay the deductible amount first before your insurance kicks in. After that, the insurance company will pay the agreed percentage of your plan benefits. Some plans don’t apply the deductible on certain services such as routine exams and cleanings.
Before purchasing your family dental insurance Long Island NY plan, first estimate your portion of the payment for the services your family may need, for example, one crown and two fillings in a year. For each plan, consider the deductibles offered by each dental plan.
The maximum amount of Coverage per Year
This is the total amount that your plan will pay for the services you and your family receives. There are different maximums for most services and a lifetime maximum for certain services such as orthodontia. Compare the estimated dental expenses to your plans maximums and factor in other costs such as premiums, copayments, and deductibles.
Invest in Your Family’s Oral Health with Affordable Dental Insurance
Waiting periods, deductibles, co-payments, limitations and the high premiums are some of the reasons why over 130 million Americans don’t have family dental insurance Long Island NY. Fortunately, with a DentalSave family discount dental plan, you and your family will have access to a network of qualified dentists and affordable dental care. DentalSave’s dental plans are affordable family dental insurance Long Island NY alternatives that don’t have waiting periods, deductibles or lifetime limitations for orthodontic treatment.