Family Dental Insurance

By: Jennifer Bailey

Dental insurance plans that are designed to cover patient's dental treatment costs come in two forms-individual dental insurance and group dental insurance.

Because of the large number of participating members, group dental insurance plans have the benefit of providing a wide range of coverage at controlled rates. Apart from individual coverage, some group plans also extend coverage to the employees' families.

Individual dental plans, as the name itself suggests, are purchased by individuals. They have the option of buying coverage for themselves or for the entire family.

Buying insurance for the entire family makes good economic sense because dental insurance by its very nature is preventive. This is because most dental diseases can be prevented by regular check-ups, dental cleanings, and fillings. This is, of course, true for people who follow the regular regime of brushing their teeth both in the mornings and evenings. It is a well-accepted fact that sooner or later, some member or the other is going to require dental treatment. Let us suppose that a root canal treatment is required. Without dental insurance the cost of this treatment could burn a deep hole in the patient's pocket. In this situation, dental coverage provides the perfect umbrella for the rainy day.

Also, in case of group plans, consider a situation where both someone and their spouse are working in companies that provide family dental coverage. In this case, they will get the double benefit of being covered by under their own company's plan and also that of their spouse. In this scenario, people should analyze their options well to ensure that they are able to coordinate the benefits they get under each plan.

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