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Student Dental Insurance – Three Reasons You Need a Plan

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Are you getting ready for college or university?  Are you already a student?  If so, chances are adequate dental insurance is the last thing on your mind.  But if you aren’t protected by your parents’ plan and you don’t have a plan of your own through your school, you may want to consider purchasing one.  The provincial health insurance coverage provided to Canadian residents does not cover dental expenses for most individuals.  But a Canada dental insurance plan gives you access to the care you need when you need it, helps protect your bottom line by minimizing your out-of-pocket expenses, and prevents future problems from occurring.

Preventative Maintenance

No matter how diligently you brush and floss at home, regular trips to the dentist are critical to maintaining a happy and healthy smile throughout your life.  Dental insurance gives you access to the care you need to keep your teeth and gums healthy.  Some services covered by many dental insurance plans include routine exams, cleanings, X-Rays, fillings and more.

Reduce Expenses

Although the Canadian Dental Association recommends regular visits to the dentist to maintain good oral health, the cost of these visits can add up, causing many people to think twice about scheduling an appointment.  But a Canada dental insurance plan reduces the amount of money you have to pay out-of-pocket for treatment.  Dental plans pay for all or a portion of the cost of covered services, allowing you to get the treatment you need without breaking the bank.

Prevent Future Problems

Without regular care from a dental professional, you’re at risk for developing oral health issues with long lasting consequences that could cost hundreds or thousands of dollars to repair.  Regular dental visits give your dentist an opportunity to identify small problems and resolve them before they become large, expensive ones that require extensive treatment.

Obtaining a Student Dental Insurance Plan

Now that you know why you should consider a dental insurance plan, here’s what you need to know about obtaining one.  Many people receive dental insurance through their employer.  But if you’re a student, that’s probably not an option for you.  If you are a full-time student, you may be able to obtain dental coverage through your university.  If not, you can contact the insurance company directly or work with an insurance broker to purchase a policy.

Insurance carriers and brokers can give you information about the plans available in the marketplace; evaluate your needs; and answer questions you have, so you can make the best choice based on your individual situation.  When you work with an insurance carrier, you have access only to the plans sold by that company.  When you work with a broker, you get access to plans from multiple providers.  Furthermore, some insurance companies do not work directly with the public, so if you want to purchase one of those plans, you must work with a broker to buy student dental insurance.

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