May 7, 2008
Dental Insurance Tips
Dental insurance is equally important to health insurance because dental disease is still prevalent in America. Being protected by a dental plan and using it wisely are necessary safeguards for your entire family. Dental insurance premiums are now increasing from 7% to 10% annually, only about half the rate of major medical insurance, but still significant, say dental insurance experts.
Dental insurance premiums for small businesses vary based on the number of employees, their ages and the type of coverage provided. For a California retail store with three full-time employees (52-year-old male, 30-year-old female and 20-year-old male) covered by the policy but with no spouses or children, one online dental plan provided more than 100 quotes ranging from $304 a month with a $1,250 deductible and no office visit coverage to a $2,061 monthly premium with a $1,000 deductible and patients paying 20 percent of each office visit.
So it pays to shop around before you agree on a plan for you or your family. You sometimes have to take a physical exam before you can obtain dental or health coverage, talk to your agent to find out. You can also search our large doctor directory to find a specialist in your area.
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