Dental insurance for the whole family.
- Choose Your Own Dentist
- No Waiting Periods
- Guaranteed Acceptance
- Implants and Major Services Covered
- Three Cleanings Per Year
- Choose From $1,200, $2,500, or $3,500 Maximums
One of the biggest gaps that was ignored during health care reform was family dental insurance. There is a family dental crisis going on in America right now. Over one hundred million Americans do not have dental insurance and the lack of coverage is leading to such probles as school absence, unemployment, and even death. Experts say the most common disease among children is chronic dental decay. Nationally it is estimated that over 51 million school hours are lost each year because of children with dental problems. It is frustrating because these problems and loss of productivity are completely preventable.
Family dental insurance plans are created for couples and their children. Basically, for one low fee your spouse and children are covered under this plan. Some dental insurance companies even offer dental services for younger children free or at low costs in such plans. Family dental coverage can reduce your costs for basic dental care such as checkups, cleaning, root canals, dental x-rays, fillings and orthodontics. Since coverage on these plans vary widely, you will need to check with your insurer to see what is covered by your plan. If you are just looking for dental coverage for your family, you will want to make sure that you choose a family dental insurance plan that offers you all the coverage you need.
Dental insurance for families is different than individual dental plans since it can save families a lot of money. In almost all cases, getting family dental coverage is less expensive than getting individual dental coverage for each person in your family. The more members of your immediate family there are, the more money you can save over individual dental plans.
Most insurers offer family dental plans. Your employer may offer such a family plan. If you are self-employed or if your employer does not offer family dental coverage, you can always seek insurance from insurance providers yourself. The important thing is not to ignore this key safeguard for your family's health.
Finding the right dental coverage for your family can be a challenge. One key is finding the right blend of coverage which matches the oral health needs of your family. Studies show that those who visit the dentist often avoid major dental problems and the bills associated with those services. That being said a key component to any family dental plan is finding one that has a strong preventive benefit.
Spirit Dental is a good option for families because the plans have a strong preventive element built into their design. The plan has an allowance for an industry high of three cleanings and two exams per family member per year in addition to have no waiting periods for major services.