5 Tips-Individual Dental Plans
In today's economy, many companies, especially small companies
are finding it harder to compete, make money and afford employee
benefits at the same time. One of the first things to be cut are
the benefits that employees have come to count on. In
particular, dental insurance is generally considered a luxury
benefit. Therefore, it is one of the first benefits to be cut,
leaving the employee to figure out how to pay for the dental
services they need.
1- When you are searching for a dental plan, it is important to
work with a reliable provider. The best way to ensure this is to
ask them questions. You want a mailing address from them, not
just a P.O. Box; this will ensure that you are dealing with a
real company. You need to know if they have a phone number and
what hours they can be reached. When you get this number, give
them a call back and ask some basic questions, this will give
you and idea as to the level of customer service that you can
expect in the future.
2- Ask if they cover the types of procedures that you normally
have performed by your dentist. If you are seeking a company
with a plan to cover cleanings and fillings, it will be less
expensive. Like wise, if you want to have fluoride and x-rays
paid for by your individual dental plan, it will cost you a
little more.
3- You will need to know if your dentist participates in the
program. It does not really matter what the fees are for the
plan if your dentist of choice is not on the list that they deal
with. It is also a good idea to ask you dentist what dental plan
he would recommend. He knows what you normally have done and how
often, the dentist will also know what companies he participates
in.
4- Have a look around online for companies that offer individual
dental plans. This is fast growing industry and is getting very
competitive. There are dental plans that start for as little as
11.00 per month for an individual. This is for the basic plan,
but if that is all you need, then you will be covered for a
relatively low price.
5- If you are having trouble finding a dental plan to suit your
needs for the price you are willing to pay, speak with your
dentist. Many dentists are willing to make payment arrangements
with loyal clients.