Ensuring that your health needs will be met and you will be able to receive the quality treatment you require will enable you to focus more on your studies rather than on pesky medical bills should an emergency arise. Dental health insurance for college students is one offering in particular that tends to be overlooked, but is just as important as any other aspect of medical coverage. If you are not sure why you need dental insurance as a student or how to even go about choosing the right policy, you have most certainly come to the right place.
What Is Dental Insurance?
In a nutshell, dental health insurance for college students allows you to receive aid for coverage of costs in the event of an emergency, provides for preventive care visits, and enables you to receive any necessary treatments or procedures you may require without paying an exorbitant out-of-pocket bill. You may have the option to receive dental insurance through an employer or on your parent’s policy. Perhaps you are looking to get your own policy and are not exactly sure what to look for.
The good news is, there are plenty of options for dental health insurance for college students that will enable you to preserve the state of your gums and teeth without breaking the bank. Students can pick from a variety of affordable dental plans that will cover the costs of routine visits and preventative treatment, as well as more specialized procedures like braces, fillings, and implants.
What You Need To Know
There are a number of key aspects you should look out for when choosing comprehensive dental health insurance for college students. You need to examine what costs are fully or partially covered and find out those which are not offered under a particular plan. It is always a good idea to shop around to see what options will afford you the most coverage for dental costs, the best premiums, and the most reasonable out-of-pocket expenses.
Take a look at the covered network in a particular carrier’s dental health insurance for college students plan. If you do not see a dentist you would want to go to on the covered plan, or you have a family dentist in mind that you would like to keep seeing, you might need to look for a more comprehensive network offering.
You should also note what your options are in the event that you need to see a dentist out of your network if you are traveling or out of town. In the case of a dental emergency, it is comforting to know that you will not be responsible for the entirety of any costs incurred. Look at various dental plans to see what the out-of-network terms and provisions are.
A quality dental health insurance plan should allow full coverage for your bi-annual preventative visits and at least partial coverage for certain types of procedures and treatments. If you have a history of dental issues and suspect you might have more expenses in the future, look for a dental plan that allows for more specialized care options. Choose an insurance plan that allows you easy access to customer service representatives who can answer any questions you may have and user-friendly online access to review your costs and coverages.
Why Is Dental Insurance Needed?
Protect Your Health
Perhaps you have been blessed with healthy gums and teeth and have never needed much done beyond routine cleans and check-ups. Be that as it may, having a solid dental health insurance for college students plan will help you handle any costs that may be incurred down the road and give you assurance about the quality of the care you will receive.
The health of your teeth and gums is the gateway to the rest of your body’s physical well-being. Having the safety blanket of dental insurance not only gives greater peace of mind, but provides for any unexpected situation that may arise.
If you have frequent plaque and tarter build-up, as many do, you never want to be without the option to get your teeth checked to ensure no cavities or infections have set in. An increase in plaque can lead to issues later on, so it is better to be prepared than to be unpleasantly surprised down the road.
Preserve Your Wallet
It cannot be stressed how crucial this coverage is to preserve your financial well-being. Whether it is simple bi-annual cleanings and dental exams or procedures like root canals, fillings, and crowns, the costs incurred as a result of getting dental work can skyrocket quickly if you are not insured.
Your out-of-pocket costs will be considerably lower and often negligible when you have dental health insurance for college students, as opposed to running the risk of being completely uninsured. Depending on the plan you select, either part or all of any dental expenses you incur will be covered.
The premiums you pay usually cover dental necessities like routine cleanings, check-ups, and x-rays, to name a few. Always check with a specific carrier for their unique terms and conditions.
Dental Health Insurance For College Students Options
Two Top Options Examined
Certainly, there are many options njm to choose from when it comes to dental health insurance for college students. Always do your own research and speak with the individual carrier to see if a particular plan or company meets your specific needs.
To help make the journey easier, we have selected two of the top companies on the market currently who provide comprehensive dental care packages. Even if you choose to go with a different carrier, these plans will give you a concrete idea of what to look for and what your best options are.
Cigna Dental Insurance
Cigna offers a quality selection ideal if you are looking for dental health insurance for college student options. Their plans feature $0 of copay or deductible costs for any preventive treatment, including routine cleanings, x-rays, and other in-network care.
Cigna offers a large network of more than 89,000 dental professionals, allowing you to choose from a plethora of dentist selections to fit your needs. They also offer comprehensive customer service to answer any questions you might have.
Cigna’s Dental 1500 plan covers up to $1500 of restorative procedures each year after your deductible and coinsurance requirements have been met. Deductibles are $50 per individual and $150 per family. Orthodontia expenses are covered up to $1000, with an individually set lifetime limit, deductible, and coinsurance.
With Cigna’s Dental 1000 plan, restorative costs are covered up to $1000 after deductible and coinsurance requirements have been met. Deductibles are the same and orthodontia costs are not covered with this selection.
If you want to choose the most basic option, there is Cigna’s Dental Preventative plan. This will only cover routine, in-network care like cleanings and x-rays. As such, there is no deductible and restorative or orthodontia coverage is not included. If you are interested in any of these plans, be sure to get a quote based on your needs and home state.
Humana Dental Insurance
Humana also offers a good selection for those looking for quality dental health insurance for college student plans. Their Dental Preventative Plus plan provides PPO coverage without copayments. It has low deductible amounts and offers coverage for quite a few preventative care options. You are not required to choose a particular dentist as your primary care provider.
Humana’s Dental Value Plan offers low copayments for a number of dental treatments and procedures. There are no waiting periods, but you must choose a dentist to serve as your primary provider. The Loyalty Plus plan is a good option if you are looking to earn rewards over time as it allows you to add on benefits between year one and year three of coverage. This includes everything from preventative check-ups to crowns and root canals.
The Simple Choice plan offers basic coverage, with set costs for any care you receive and no deductibles involved. Finally, Humana’s Dental Savings Plus Plan is a discount coverage option, but is not actually dental insurance. However, it will allow you to save money on everything from dental care to vision and hearing treatments.
Choosing an excellent dental health insurance for college students plan is a process that takes careful consideration. Take the time to examine your options, ask questions, pay attention to what is covered and what are considered out-of-pocket expenses, and read the specific policy terms and conditions. In choosing the dental insurance plan that is best for you, not only will you save on costs in the long run, you will also be able to receive the care you require should a need arise.