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Need an Individual Dental Plan? 4 Things to Make Your Search Easier

Looking for dental insurance can be a pain. After all, it seems like there is a never-ending stream of search results that all promise the very best coverage.

So, what do you really need to know if you're shopping for an individual dental plan?

1. Don't assume that Medicare has you covered

There's a reason why so many companies make so much money selling Medicare supplemental insurance - because Medicare itself doesn’t come with as much coverage as you need. If you're on Medicare, you might be tempted to think that buying an individual dental plan would be a waste of time. However, if you ever need any serious dental work, Medicare might not pay for it - leaving you on the hook for expensive services and procedures.

The best way to protect yourself is to look over your Medicare coverage with a fine-toothed comb, then look for a Medicare supplemental insurance plan that fills in the gaps. That way, you won't end up with double-coverage, and you won't be risking your own financial health every time you need dental work!

2. Look to combine dental and vision insurance

If you get your health insurance from your employer - or even if you have your own individual health insurance plan - odds are that both dental and vision insurance aren't part of it. Since you need both types of coverage anyway, why not look for an individual dental plan that also comes with vision insurance? That way, you can take advantage of the savings most insurance companies offer when you bundle coverage.

3. Make sure that you can add onto your individual dental plan later

Right now, it might just be you and your individual policy, but what happens when you get married or have kids? Good dental insurance policies will make it easy for you to add on new members of your family. They'll also make it easy to add on new coverage later. That way, if you think your kids are going to need braces soon, you can add orthodontic services onto your dental insurance policy.

4. Look at all types of dental insurance

If you think that the only type of individual dental plan out there is one that comes with pricey monthly premiums, think again. Today's dental insurance comes in all shapes and sizes. You can even get a discount dental plan that allows you to only pay for the services you need - without the costly monthly premiums.

Take a look around, and you'll see that dental insurance can fit into virtually any-sized budget!



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