Buy Dental Insurance Online: Everything You Need to Know

If you are looking for dental insurance, you can now buy it easily online from the comfort of your own home. Gone are the days when you had to visit an insurance company, fill out mountains of paperwork, and wait for approval. Today, you can easily find and purchase dental insurance online, making the process quick, easy and convenient. Below, we will explore the benefits of buying dental insurance online, how to choose the right policy for you, and answer some frequently asked questions.

How to Choose the Right Dental Insurance Policy

Before you buy dental insurance online, it’s important to know what to look for in a policy. Here are some factors to consider:

1. Coverage

Make sure you understand what is covered under the policy. Does it cover preventive care, such as check-ups and cleanings? What about major dental procedures such as root canals, bridges or implants? Check the fine print before you buy.

2. Cost

Compare the cost of different policies to ensure you are getting the best value. Consider the monthly premium, deductible, co-pay, and out-of-pocket maximum. Make sure you understand how much you will be responsible for paying out of pocket for each visit.

3. Network

Check if your dentist is in the insurance company’s network. If they are not, you may have to pay more for out-of-network care. If you have a preferred dentist, make sure they are in the network before you sign up.

4. Customer Service

Make sure the insurance company has a good reputation for customer service. Read online reviews and check the company’s rating with organizations such as the Better Business Bureau.

5. Discounts

Some dental insurance policies offer additional discounts on services such as orthodontics, cosmetic dental procedures, or even teeth whitening. If these are important to you, look for policies that offer these benefits.

The Benefits of Buying Dental Insurance Online

There are many benefits to buying dental insurance online:

1. Convenience

You can easily compare policies and prices from the comfort of your own home, without having to visit an insurance office or talk to a salesperson. This saves time and hassle.

2. No Paperwork

When you buy dental insurance online, you can fill out the application and submit it electronically. This means you don’t have to worry about printing, mailing, or faxing any paperwork.

3. Easy to Customize

Buying dental insurance online allows you to easily customize your policy to fit your needs. You can choose the coverage and deductibles that are right for you.

4. Fast Approval

Most online dental insurance applications are approved within minutes. This means you can have coverage in place quickly, without having to wait for weeks for approval.

Frequently Asked Questions

Q: What is dental insurance?

A: Dental insurance is a type of insurance that helps cover the cost of dental care. It can pay for preventive care such as checkups and cleanings, as well as more expensive procedures such as root canals, crowns or implants.

Q: What does dental insurance cover?

A: Dental insurance typically covers preventive care, such as checkups and cleanings, as well as basic services such as fillings or extractions. Some policies also include coverage for orthodontics or cosmetic procedures.

Q: How much does dental insurance cost?

A: The cost of dental insurance varies depending on the policy you choose. Factors that can affect the cost include your age, location, and the level of coverage you need.

Q: Can I use my own dentist?

A: If your dentist is in the insurance company’s network, you can continue to use them. If they are not in the network, you may need to pay more for out-of-network care.

Q: Can I buy dental insurance at any time?

A: Most dental insurance policies have open enrollment periods, which are typically in the fall. However, some policies are available year-round, so it’s important to check with individual insurance companies.

Company	Monthly Premium	Deductible	Maximum Out-of-Pocket
Delta Dental	$25	$50	$1,500
Cigna Dental	$29	$100	$1,000
Aetna Dental	$35	$75	$2,000

Conclusion

Buying dental insurance online is quick, easy, and convenient. By considering factors such as coverage, cost, network, customer service, and discounts, you can choose the right policy for you. With the benefits of fast approval, easy customization, and no paperwork, buying dental insurance online is a smart choice for anyone looking to protect their smile.