Students Need Supplemental Dental
Many students have a need for supplemental dental insurance because most often they lose dental and health care coverage they obtained from their parents’ health and dental plans when they become 18 years of age. There are three ways students may choose when trying to save money on their dental care. Students can use dental discount groups, reduce-cost student dental plans, preferred provider network supplemental dental insurance to help save money on their dental needs.
First you have your dental discount groups; these are the most common kind because there are certain procedures that your standard insurance will not cover. With your dental discount insurance you can have your procedure done at a significantly reduced fee because you are a member of a discount group. When you are part of these dental discount programs you have monthly fees, and in return you can use any of the dentists that belong to the network of the plan you have joined. The cost of joining on of these groups is generally $125-$175 per student.
The second type of supplemental dental insurance is reduced-cost student dental plans. Many colleges and universities offer some type of reduced-cost plan for its students to help cover the cost of routine procedures like checkups,cleanings, fillings, and x-rays that may help more serious and expensive problems from happening. A reduce-cost plan sometimes require that the student pay a minimal co-pay when seeing the dentist. The annual cost of the reduce-cost plan for a student is usually below $200 a year.
The third type of supplemental dental insurance is the preferred provider. If you decide to go with the preferred provider you can get plan for as little as 20.00 a month that will allow you to be seen by any dentist who belongs to the preferred provider network that you have joined. The network will pay a predetermined amount of any type of dental insurance and the rest if your to pay out of pocket which is this another place where having supplement dental insurance come in handy.