Supplemental dental insurance is simply insurance that is purchased directly from the insurance company itself. Someone looking to find dental coverage will go through this insurance company rather than through their workplace because their job may not offer dental coverage. It is not uncommon for employers to offer very little if any dental coverage at all, but some are offering an option for you to opt in or opt out of a supplemental dental insurance policy, in which they will pay part of your premium.
The reason this type of dental insurance is becoming so popular is that the costs of dentistry has gone through the roof and thus have the premiums, so that employers are no longer able to offer those dental insurance plans to their workers.
So who really needs supplemental dental insurance?
1. The self employed. They have to pay their own dental costs and there are discount dental plans that can save a lot of money on both individual dental care and for families of the self-employed as well. Self-employed dental care can offer discounts on basic care like cleanings and x-rays and for cosmetic dentistry as well, like teeth-whitening and braces.
2. Business owners. Employers will find it easier to offer this type of dental care to their employees. In many cases dental insurance companies will make supplemental and voluntary dental insurance available even if the business is relatively small.
3. Those in need of a lot of dental work. If you have put off going to the dentist because you cannot afford dental insurance and you know you need a lot of work done on your teeth, then a discount dental plan may be the best option for you. Do not try to go in there and pay for all your dentistry at full price.
Supplemental dental insurance is simply the best option for most people, especially since full dental coverage is no longer offered by most employers. Oral health is very important so look at your options and make an informed decision for the preservation of your smile.