Most people in the United States get their dental insurance through their employers group
dental plans. However, there are some very good dental insurance plans available in the individual market through highly rated companies such as
Some of these dental plans in the individual market are very similar to the benefits provided under employer groups and some even better. There are dental plans available in the individual market place that have no deductible for preventive services, no waiting periods and give the customers the freedom to see any dentist they wish.
One of the plans that our Agency recommends for our clients both young and old is the advantage plus dental plan through security life. The plan offers great benefits at a lower premium which is less than two dollars a day. The plan is suitable for almost every budget.
It is very important to know your co-pays and out of pocket expenses before you purchase a dental insurance plan. There are very good plans that covers exams, cleanings without any waiting periods.
In addition, both the Affordable Care Act and medicare does not cover dental insurance except for medically necessary procedures which are covered to some extent by medicare. The seniors are the most in need of dental coverage and for most of them the only alternative is the individual market.
In conclusion, it is worth to have dental insurance because the cost for a single major dental procedure is often more than the entire year premium for most dental plans in the individual market. For those people who are unemployed or self employed don't be despair, there is a market for to get affordable quality dental insurance. Talk to an agent or go online.