When people think of saving money, they most often associate the concept with savings accounts or cutting back on expenses. But what if putting money away or slashing your monthly budget, in some ways could jeopardize your health?
Healthcare is very expensive across the US, even with the new healthcare law Obamacare, which was a controversial mixed bag that struggled to reduce the cost of insurance for many American families. The new law established numerous healthcare insurance exchanges that were designed to help families find more affordable coverage, but the plans only include coverage for basic medical needs.
One of the options that have particularly struggled under Obamacare is dental insurance coverage for children, as well as adults. According to Oral Health America, over 126 million Americans are without affordable dental plans, and only 2 percent of seniors retiring in the near future are covered by their employers.
Families with dental plan coverage are more than twice as likely to make trips to their dentist as families who remain uninsured. Cleanings, routine checkups, and especially more invasive procedures like filling cavities or treating root canals are very expensive – stretched beyond the budget for millions of American households.
For many families, there are three primary categories of dental insurance care – basic care, minor care, and major care. The best type of plan will depend on the amount of dental work a family requires, but the greater amount of coverage, the more expensive the dental insurance rates will be. Also, keep in mind that families are required to pay a portion of the procedure out of pocket.
One of the most convenient ways to compare the best dental plans is to compare all available options online. This process allows costs to easily be compared with the benefits of each option, and families can pick the plans that will provide the most value.