Student Dental Health Insurance

Written by Jeremy Horelick
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Dental health insurance is often the last thing that students worry about after arriving on campus for the first time. If any attention is given to such matters at all, it tends to be toward general medical coverage. Only after a student cracks a tooth or loses a filling does he or she start looking for on-campus dental care. By then, however, it's often too late to have the associated costs picked up.

One of the easiest tacks for students to take is to add dental coverage to their existing medical plans. Oftentimes it's only a question of five or 10 dollars more per month to obtain the extra insurance, and it's an investment that's well worth it. At the very least, students can be assured that they'll need bi-annual cleanings, which are fully covered under the majority of dental plans. Those two visits alone are often enough to justify the purchase of a policy.

Secondary Solutions

Students who wish not to participate in dental plans can always buy into discount programs that offer many of the same benefits. Here, patients receive pre-negotiated discounts on standard care such as fillings and bridges. Whatever work is deemed necessary in the doctor's opinion is covered at the same exact discount rate, be it 20, 30, 40, or 50 percent. There are several distinguishing features of discount plans such as these.

Number one, since these programs provide set discounts, there's no haggling over allowable fees, co-payments, co-insurance, and so forth. Two, there are no claims to file, as payment is due up front at the time of service. Providers already know exactly what portion of their fees is paid by the patient and what portion (if any) is paid by the discount company. Best of all, discount dental services, which contract with hundreds or even thousands of doctors, offer patients the choice to pick any dentists within their network.

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