Family life has its own challenges. Although family dental discount plans NJ may not weigh highly as traditional medical coverage, you and your loved ones need dental care as well. Family dental plans NJ help you to save more on dental care procedures. Additionally, it’s less expensive to purchase family dental plans than individual plans for each family member.
According to a recent survey by the ADA (American Dental Association), approximately 21 percent of adults who participated in the survey had skipped dental visits mainly because of the high dental costs. However, family dental plans NJ safeguard you and your loved one’s well-being. Therefore, if you’re self-employed or your current employer doesn’t offer family dental benefits, you’ll have to be the champion of shiny smiles.
5 Things You Should Know Before Purchasing Family Dental Plans NJ
Investigate whether your children are covered: If you have kids, they most likely have dental cover. Healthcare plans also provide dental coverage for children below the age of 19. However, health insurance plans don’t provide dental coverage to adults but may provide coverage if they occur after an accident.
Consider getting coverage for a reduced premium: If your employer offers the option to purchase family dental plans NJ and pays a portion of the premiums, consider getting them. You will not only get a discount on your monthly premiums but also enjoy a second discount from paying dental insurance premiums with pre-tax earnings.
Determine whether family dental plans NJ are worth the price: Unlike other insurance policies you purchase such as car, home, health, and life to protect you from large and unexpected expenses, you will most likely be able to determine what your dental expenses will be, and it’s important to plan before you decide to purchase dental insurance.
Dental insurance often pays for preventive dental care: Family dental plans NJ often pay for the things that you and your loved ones need. These may include routine check-ups, routine cleanings, and x-rays. Most family dental plans NJ will pay the full cost for these procedures. Preventive dental care helps maintain good oral health.
Dental insurance doesn’t cover cosmetic dental services: Many family dental insurance plans don’t cover cosmetic or elective dental procedures such as overlays, Invisalign, and teeth whitening. Instead, they only cover dental treatments that your family needs and not for aesthetic reasons. This means that your insurance won’t cover for important procedures to correct teeth overcrowding and other important procedures which are considered cosmetic. Keep in mind that overcrowded teeth can cause tooth wear, tooth injury, gastrointestinal issues, and periodontal problems.
Save More With Family Dental Savings Plans
Apart from not covering cosmetic procedures, dental insurance has long waiting periods that range from six to 12 months. Additionally, they have high co-pays, deductibles, and annual maximums. To get affordable dental services, consider joining a family dental discount plan. Some of the benefits of these plans include:
No waiting periods
Why should you wait for up to a year to receive dental coverage for your child’s braces? With a family dental savings plan, you will get discounted rates from your in-network dentist immediately your plan is activated.
Covers unexpected dental emergencies
You shouldn’t delay an emergency dental procedure. However, how will you pay for expensive procedures? Family dental plans NJ are activated within less than 24-hours after sign up which means you can pay for your child’s expensive dental procedure fast.
If you’re looking to save on your family’s dental care, consider DentalSave. Starting at only $199 per year, DentalSave gives you access to discounts and substantial dental savings for your whole household.