Buy Health and Dental Insurance

Buy Health and Dental Insurance

In the United States, more than 60 percent of bankruptcies are the result of unaffordable medical bills. To avoid putting your financial health at risk, always buy health and dental insurance that provides adequate coverage for your needs at a competitive price. Online health insurance stores are a good place to begin your search. These websites present several plans at once and can help prioritize your insurance needs based on premiums and provider coverage in your area.

1. Begin your search online to comparison shop among companies offering both health and dental insurance plans.

Policies that offer more services and options will cost more than plans that only provide basic, catastrophic-event coverage. Locate a company that will show several insurance carriers at once to find the lowest premiums available to you.

2. Look for health insurance companies available to you that give members the option of purchasing a dental insurance plan

Using one company for health and dental insurance needs will give you the ability to pay just one bill each month and have one point of contact for questions about billing, benefits and other plan components.

3. Find out what services are provided by the dental insurance companies available to you.

Some procedures are considered elective, such as teeth whitening, and may not be covered by the company. Ask the dental insurance company representative if there is a limit to the amount of yearly coverage allowed. Some plans only cover annual maintenance such as teeth cleanings.

4. Provide basic details about your health to complete a preliminary online application

Your vital statistics such as weight, height and whether or not you use tobacco products will affect the types of rates and coverage you can receive.

5. Compare health policies and dental plan options presented to you

Examine all major components such as:

  • Determine the waiting period for coverage. Some plans require a 6 month wait time until members receive coverage
  • Find out if the policy allows you to see any doctor or if you are required to see one in the plan "provider network" in order to avoid surcharges.
  • Determine if you will be required to meet a deductible before coverage begins. A higher deductible will lower your premium but coverage may be non-existent until the deductible is met.
  • See if you need a referral from a primary care doctor to see specialists, such as a neurologist. Referral requirements may delay care.
  • Ask if drug coverage is offered. If so, you may need to meet a separate drug deductible before coverage is available.

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