Dental insurance
There is a tight competition in dental insurance market. Most of the people simply are happy to get any insurance, so the do not shop around.
That is a mistake!
Remember – Insurance companies primary goal is profit, and only the is a service to a fellow man. I do not say profits are bad, but some companies pushing it too much. That is why it is important to be knowledgeable in this particular area.
From my personal experience, there is 3 groups of people who already have dental insurance
- People rich enough, so they do not care
- People on employment benefits
- People, who think it is better to have dental insurance, cause somthing might happen in the future
That is fine if you have planty of money, but what if the money is not enough to pay the bills? You have to look in every individual case.
There same patients they have very good teeth and dental insurance is unnecessery. It is only making the insurance companies rich. If you have not had anything done to your teeth within 3 years, I would advise to reconsider if you need dental insurance. Because you may never need there services for simple treatment, and if need some major treatment, they will make you pay anyway.
The only patients who would benefit from dental insurance – are high caries risk patients. Or patiens who already had planty of treatment done and it seems for them that they have to see their dentist constantly. I had patients like that and I always advise to buy dental insurance. but you have to be carefull, you have to calculate your premium, because some of the companies will try to charge you more if they think you will need more frequent dental service.
I am trying to do more research on Dental Insurance companies … to be continued.
M
Dental emergency, home page.
