Dental Insurance ⇨ What Plan is Right for You? Plans starting at $ 7.99/mo
Most of you probably have a life insurance cover. You would probably even have invested in car insurance. When it comes to dental insurance though, not many have it. This, in spite of the fact that dental treatment can be costly, and you would probably need to go to a dentist first than to an I.C.U.
Getting adequate dental insurance cover has many perks in its favor. Here is what will work for you if you get a dental insurance.
What Does Dental Insurance Cover?
Dental insurance should take care of all your routine dental checkups. It should also cover the cost of any dental work done, should you require any. The system through which this usually works is that at the time of the appointment, you pay the dentist first and then claim your insurance later on.
You may also come across certain money limits on the dental cover. Usually, these limits are set at 1000 pounds, although there maybe some offers where 500 pounds is the starting limit.
You may start the claim to your dental insurance after at least 3 to 4 months after you buy the dental insurance. Some policy plans, however, put a condition that if the purchaser has not consulted a dentist in the past 12 months, then the treatment identified at his or her first check-up after the purchase of the insurance, will not be covered. This is obviously a measure to curb fraud on the insurance companies.
Cosmetic works like teeth whitening are not typically covered by dental insurance. The starting age limits for dental cover start at 18 years of age, although there are quite a few options available for ages 6 and up. It is our recommendation that while looking for dental cover, get options that allow the highest upper limit for age.
Costs of Dental Insurance
Dental insurance should cost you roughly around 50 pounds to 250 pounds a year. This, of course, depends upon the extent of cover you opt for. That is, whether it is just basic checkups or intensive treatment.
Basically, you have a lot of say in how much you are willing to invest in your insurance. However, this will have a direct bearing on how much cover you are able to get out of the deal.