As with all things, I personally always like to know that I am getting the best deal. Be it if I am deciding what laptop to buy or even a new car (albeit second hand). All of these things are high decision involving items.
Again for me dental insurance falls into exactly the same category. I always feel that I want to know that my money rather than insuring my dental health is insuring my future. That's because I want to know that the money isn't going to waste on a policy that is never going to be used but yet gives you peace of mind that you have it.
The main way that I have found to get the best deal with dental insurance is to find one with general dental benefits. This is a benefit that can be used for all the general check up stuff that may happen on that biyearly trip to the dentist e.g. fillings, crowns and removal of teeth. By having a policy with this benefit means that you will always be able to claim back some of the premium you have paid and therefore limiting the amount that you need to pay.
Some policies offer premiums starting at £13.50 a month, which works out as £162 a year. They then also offer on that plan a general dental treatment benefit of £250. If you use all that benefit you would have used more benefit than you have paid.
This obviously can't be applied every year as not always will you need to use all the benefit. But the beauty is that it is there if you need acting as security for the future. So in the end I have thought that over time it will equal out. And this is where the real beauty of dental health insurance comes about.
Dental health insurance will cover you for almost everything that can go wrong with your teeth or with your oral health, everyone knows that that is the purpose of having it. But where it really helps out the average family is that rather than having to watch the finances for that dreaded time of year for the family check up, you can use the benefit on the policy for the general treatment.
This means that, if you think about it, you pay off a little bit of that dentistry bill every month by paying into your health insurance company who then will help you with that cost. This helps everyone to manage their finances effectively and not have any unnecessary stress.
So, in my opinion, all dental health plans are exactly the same in that they will insure your dental health for all of the major dangers. However in order to get the best deal is to make sure that your plan definitely has a general dental treatment benefit that will insure that you can get the best possible deal and actually be able to use your policy to benefit you rather than just take your money.
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