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Individual Dental Insurance for Individuals

Mar 7, 2008
When your employer does not offer dental coverage just where does that leave you? It leaves you in the unenviable position of trying to find your own dental coverage. The holy grail of individual dental insurance for most people is one that allows you to go to any dentist.

You will find that prices vary wildly from company to company. In large part this is because the provision of every dental plan varies not only from company to company but also from policy to policy.

You see, buying dental insurance or any insurance is not exactly the same as going to the supermarket. In spite of what advertisers would have us believe sometimes there just is no difference from one brand of anything to another. All varieties of catsup are pretty much the same thing but this is hardly true of dental insurance plans designed for individual purchase.

Insurance policies vary considerably from policy to policy. Instead of seeing this as a negative we need to view it as the opportunity to find the insurance coverage that fits our unique needs best.

You will want to compare deductibles and look for a dental insurance plan that will have a significantly lower deductible for preventive services. This can be a good indicator of a policy that is slanted a little bit more toward the consumer than plans that discourage people from obtaining preventive dentistry.

On the other hand, some varieties of discount dental plans provide full benefits to the individual almost immediately. The restriction is that you may have to go to specific dentists that participate in the program but sometimes the advantage of having immediate full coverage makes it desirable to work within these restrictions.

Just remember that any discount dental plan is going to make any dentist prove that he or she is licensed properly and insured before they will allow the individual to be a participating provider. This actually gives you more assurance of quality care then simply picking out a new dentist from the yellow pages.

For most people however, the advantage of a lower priced discount dental plan is completely negated by the fact that their dentist does not participate individually in any discount plans. For people who have a trusting relationship with their dentist there is simply no substitute for a good indemnity dental insurance plan that allows them to continue receiving treatment from their favorite dentist.
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Real individual dental insurance. See the actual prices online. Individual dental insurance plan for every size budget.
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