The best way to avoid paying dental expenses is to maintain good dental hygiene. Brush and floss your teeth on a regular basis. A dental check-up twice a year is likewise important to prevent any dental problems later on. But dental visits can be costly. On average, you may spend up to $200 for dental treatments such as prophylaxis, basic x-ray, and other procedures. You can offset most, if not all, dental costs if you have a dental plan as part of your health insurance.
It pays to have a good dental plan as it greatly reduces out-of-pocket costs of dental visits and procedures.
There are different dental plans being offered by health insurance providers in Australia nowadays, and choosing the right one may be a bit overwhelming. Also, take note that a dental plan is not included in hospital cover. Instead, it is part of the Extras policy. But don’t worry, you can make the selection process easier by comparing several dental plans and zeroing in on the insurer that offers affordable health care plans without you having to spend a fortune. Here are some things to take into account when comparing cheap health plans:
Know the type of health cover that you need
Dental plans can be general dental which covers oral exams, prophylaxis, plaque removal, x-ray, and fillings. On the other hand, major dental plans include surgery, emergency treatments, braces, wisdom teeth removal, cover for dentures, etc. Check your Extras policy to ensure that you have access to the dental plan that you need.
Inquire about special offers
Take advantage of great offerings such as reduced waiting periods. Some insurers also offer free coverage for one month, for instance. You can save some cash by looking for special deals in your health cover.
Know the annual limits
Dental plans usually have annual limits. This means that the insurer sets a maximum amount that you can get back annually. Consider your current situation and lifestyle and determine if you are likely to get several claims for dental services in a year. If this is the case, you may need to get a dental plan with high limits. Otherwise, get one with lower limits.
It pays to have a good dental plan as it greatly reduces out-of-pocket costs of dental visits and procedures. Though cheap health cover can help you save money, it may not always be the best option. Look at several health insurers, compare their dental plans, and choose the one that offers the right coverage for your needs and lifestyle at a reasonable price. As with all other types of coverage, don’t forget to check the fine print to ensure that you get what you pay for. You’ll have a winning smile at the thought that there’s something you can rely on when the need arises.
Got other tips for cheap health insurance? You can share your ideas in the comments section.