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Cigna Dental - Should You Have Independant Dental Coverage?
Although many independent dental insurance plans, like Cigna dental or Met Life, offer some dental coverage, most of your dental needs won't be covered by the typical health insurance plan. Sadly, most people cannot afford the monthly payment for a dental plan that actually covers everything you might need. Here are a few tips to help you determine if you need to have dental insurance or not.
Did you know that supplemental dental insurance is not meant to be your primary dental insurance? Rather, it’s meant to help cover the costs associated with your dental needs which may not be covered by your primary health or dental coverage.
In fact, there are several varieties of dental insurance supplement plans including a preferred provider plan, a dental discount plan, and plans specifically for students.
If you are lucky enough to have a preferred provider network in your area, and you have dental insurance through your employer, you are in for a lot of savings. You simply choose from any dentist that is a member of the network for your dental care, without any restrictions of staying there.
Unfortunately, if you do not have dental insurance, you can literally choose any dentist because you are going to pay their going rate for their services. The question you have to ask is how many times a year do you go to the dentist. Does it justify getting a dental policy and paying the monthly fees?
The answer to this question is that if you have not been to the dentist in a few years, or if you only go in for an annual cleaning, and you do not have a family, then I would probably not get a dental insurance plan. If you have been to the dentist recently, go for two cleanings a year, and have children, you need to have a dental coverage plan.
You could even just get a dental discount plan is designed to lower your overall dental costs by using the shear power of many people to drive the monthly costs down, sort of like buying bulk at Costco. These plans are not actually dental insurance, but act as a buffer to lower your overall costs.
If you are a student, it is your lucky day! College students, who usually lose their parents dental and health coverage after they leave the proverbial nest, may opt to sign up for the inexpensive college or university student dental plans for students. Of course these plans only cover the basics, but it is better than nothing and every bit helps out when you are on your own for the first time.
The best way to go is to find an affordable plan. Check out the big guys like Cigna or Delta Dental. Then see what you work place offers and compare the costs. More than likely, if your workplace offers health benefits, you should probably go for whatever your job is offering you because it is probably much lower than any monthly fee you will pay for an independent dental plan.
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