Is Dental Insurance Worth It?
Getting health insurance in the United States (aka 美国医保) seems like a no-brainer. Medical insurance, more often than not, saves you money in the short and long term. If your monthly premium is high, you’ll pay a lower deductible, and vice versa.
When students are excited to arrive in America and dream of their new studying life, there are many challenges they have to face in adjusting to American culture. One of these challenges is to purchase an affordable international student health insurance (aka 留学生 保险) plan. The price of health insurance in American universities and colleges (aka 美国大学保险) are oftentimes higher than health insurance plans in the marketplace. Although many university student health centers allow international students to find an alternative health insurance to waive university health insurance plan (aka waive 美国大学保险), the marketplace health insurance excludes dental coverage.
Dental insurance works a little differently. There are pros and cons to purchasing a dental policy, either from your employer or from an insurance marketplace like Healthcare.gov. The biggest advantage of dental insurance is that it can actually cover part of your expensive dental visits in the U.S. (aka 美国 看牙). However, to how many percent of your total dental expenses will be covered depends on the plan you choose to buy. In some cases, dental coverage won’t save you money at all, even if you’re getting dental care.
On average, Americans pay about $360 a year, or between $15 and $50 a month, for dental insurance. Costs will vary depending on your state. Most plans come with a maximum annual benefit or coverage limit. This limit usually falls between $1,000 and $2,000. Unlike medical insurance, which covers costs after your bills reach the amount of your deductible, dental insurance cuts off coverage after your bills reach the annual limit. You pay any additional costs out of pocket. Only 2 to 4 percent of Americans will exhaust their maximum benefit annually, so you may not exceed your coverage limit. It’s more likely if you need a procedure like a root canal or a crown.
Amy Bergen partnered with eHealth, which scours the internet for the best possible dental plans for her specific needs. She can actually find plans as low as $8 per month (but most are a bit higher). She thinks that is a great resource to find herself the best deal on her dental.
Amy’s suggestions are helpful. It is necessary to compare and contrast different kinds of health insurance plans before making a decision. If you do not know which plan fits you best, you can consult Tigerless Consultant via WeChat. We will provide you with cost-efficient health insurance recommendation for international students in America (aka 美国留学生保险推荐).