Would you like to know how to beat the rising costs of individual dental insurance? Well, the first thing that you might want to consider is not buying a dental insurance plan in the first place. The reason why I say this is because these days dental insurance is over rated as to what it will actually pay for. Also, if your reason for buying insurance right now is because of an existing problem, such as a cavity, tooth pain, braces or whatever the case may be, you'll be very disappointed to find out that you will not be covered when you visit the dentist to get your problem fixed.
You see, dental insurance, like any type of insurance, will not pay for pre-existing conditions. These are problems that you already had before you bought the policy. Trying to get your teeth fixed by buying an individual dental insurance policy, when you know you already have the problem, is no different than buying a used vehicle that has a dent in it and expecting your car insurance to pay for the existing damage. Sorry Charlie!
Rather than buying an individual dental insurance plan, you should buy an discount dental plan instead. The reason is because discount plans offer big discounts on those pre-existing problems and will not exclude you, like an insurance company would. You can save ten to sixty percent with most discount dental plans and not have to worry about co-pays, premiums, deductibles or a lot of unnecessary paperwork.
So if you're in need of dental care right now or you've been thinking about buying an individual dental insurance policy, take a look at a discount dental plan instead. Your pocketbook will thank you on your very first visit to the dentist.