You would think that having good dental insurance would prevent you from having to spend a truck load of money on your teeth. Unfortunately, that's not the case, as most insurance policies require you to pay for treatment out of your own pocket and will reimburse you only after you file a claim.
Before enrolling in a dental insurance policy, make sure that you can handle these temporary and potentially very large expenditures. If not, then you may want to consider one of the discount dental plans on the market as an alternative. With a discount dental plan, you get an up front discount when you are treated, so you save money immediately rather than having to wait for a reimbursement.
The discounts offered by these plans, however, are often not as substantial as the reimbursements you would have received from a traditional insurance policy, so make sure you consider both types of dental health coverage before choosing one for you and your family.
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|Jennifer Mathes, Ph.D.|