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Dental Insurance Cost - How to Reduce Dental Insurance Cost

teeth deductible dentists network

In recent years, along with the cost of health insurance, the cost of dental insurance has increased dramatically to the point where many are not able to afford the monthly premiums. While dental insurance is expensive, there are several ways to reduce dental insurance cost without forgoing too much coverage.

The first way to reduce dental insurance cost is to choose a dental insurance plan that has a restriction on the number of dentists you can choose from. A dental insurance plan that has a small network of dentists will save you up to half off of your dental insurance premiums. The reason that the cost is so low is because dentists are forced to reduce their costs to the insurance companies in order to be a part of the network. Dentists are willing to reduce their costs because being part of the insurance network will provide the dentists with a free form of advertising and a steady stream of patients.

The second way to reduce dental insurance cost is to increase your deductible or annual contribution. A deductible is the amount of money that you will have to spend up front in the event that you have any non-routine work done on your teeth. By increasing your deductible from $1,000 to $1,500, you could save over 20% off of your premium each month. Since raising your deductible will increase your out of pocket costs in the case of a dental emergency, it would be a good idea to keep the deductible in a reserved account for when you need to spend it.

The third way to reduce dental insurance cost is to keep your teeth in good condition. By keeping your teeth in good condition, and keeping a good record of oral health, you will decrease the risk of needing to have major dental work completed, which will in turn reduce the cost of your dental insurance. The best way to keep your teeth in good condition would be to brush and floss your teeth regularly and to visit your dentist at least twice per year.

The fourth way to reduce dental insurance cost is to shop around. Similar to all other forms of insurance providers, each dental insurance provider has their own format of underwriting risk. Because of this, you could receive a drastically different dental insurance quote from one insurance company than you would from another dental insurance provider.

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