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Types of dental plans
A Guide to the Different Types of Dental Plans

Before you start to compare dental insurance quotes, you need to compare dental plans. The fact is that there are different types of dental plans out there from various sources, all of which have their own advantages and disadvantages. So, the easiest way to get to the stage where you can find the lowest cost dental insurance quotes is first to compare dental plans to figure out which one suits you best.

Understanding where to get dental plans

1. Stand alone dental plans

These types of dental plans are, for the most part, purchased directly from an insurance company. You can buy them from general insurers or from specialist dental plan insurance companies. In order to make claims, you will generally have the treatment, pay for it, and then submit the receipt and a claim form to get your money from the insurance company.

Some insurance companies work in tandem with dental practices to offer these types of dental plans. In this case, you take out a plan with an insurer via your dentist. In some cases, the insurer may pay your bills directly to the dentist, rather than your having to pay and then claim back.

2. Medical insurance dental plans

When you compare dental plans, you'll notice that many medical insurance plans (such as private health insurance) offer dental coverage as part of their features. So, if you have these types of dental plans already you may not necessarily need a stand alone policy. But, keep in mind that you may not get the same coverage levels as you would with a separate policy which may be a consideration when you start looking at dental insurance quotes.

3. Combined medical plans

Some types of dental plans are packaged together to help meet other every day medical/healthcare costs. These plans are often known as healthcare plans. So, for example, you could take out a policy that gives you dental and optician’s coverage as well as a range of other features such as alterative treatments, chiropody, and physiotherapy. When you compare dental plans, remember that these kinds of healthcare plans often pay out pre-set cash sums rather than all of/a percentage of actual dental bills.

No matter which types of dental plans you look at, don’t forget it is just as important to compare dental plan costs as it is to compare the benefits that you get. Don’t be tempted to only get dental insurance quotes from a couple of insurance companies; look as broadly across the sector as you can, as this will help you work out your cheapest options.

You will only get real financial value if you assess the types of dental plans that suit your actual needs. So, when you compare dental plans and get dental insurance quotes, make sure that you are getting the right levels of coverage and types of coverage. If in doubt, write down all of the dental treatment you have had over the last two or three years, and then assess which policy would have given you the best financial coverage for your needs.

Compare dental insurance providers

 
 
 
 
 
 
 
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