Getting dental insurance is an important step in any dental health plan and one that many people take for granted: the fact that the price of dental insurance will be covered by their dental plan’s company. Not all plans provide this coverage. In order to guarantee that your dental insurance plan covers you, you’ll want to ensure that you have comprehensive dental insurance as soon as possible.
Consideration to hire dental insurance
Before contracting, you must carefully review all the clauses and points of the policy and resolve any doubts you may have. Thus, you will not find surprises after paying the policy.
These are the conditions in which you should pay special attention:
- Contract period. It is usually 1 year and sometimes an additional discount is included for the second year. Some insurers use an automatic renewal mode, so if we do not want to continue with the services for the following year, we must cancel it at least two months in advance.
- In almost no case does dental insurance reimburse all of the money we have spent. For this reason, it is necessary to know what the reimbursement percentages or limits of our policy are, and for each service in particular.
- The fine print. Here we will find a series of requirements and clarifications to make use of additional discounts, gift vouchers, exceptional free services or the possibility of enjoying a month of coverage without having to pay the policy. Normally, there is a condition behind it and sometimes it is not convenient.
- Modality with copay or without copay. When we contract with the copayment option, the amount of the policy is lower, but we will have to pay an additional amount each time we use a service. Therefore, it is important to know the prices in advance.
- It is the time that elapses between the moment you take out dental insurance and the moment in which you can enjoy some benefits for seniority. It usually goes from 1 to 10 months, depending on each insurer and the type of practice you need.
Take a look at this video with useful suggestions for choosing your dental insurance:
If you have health insurance, you should find out if you have dental coverage. Even credit cards often provide this benefit. Thus, you will not have to take out separate dental insurance.
To hire, companies provide multiple contact channels. You can do it by phone, by going to their offices or even through the website.
Comparison of the best dental insurance
Currently, in Spain there is a large offer of dental insurance.
The prices and conditions of the products vary quite a bit, so it is worth taking the time to make a comparison of the advantages and disadvantages of each insurance and dental policy. Our advice? Compare premium prices from at least three companies to make sure you are choosing a product that is value for money. After choosing the plan that best suits your priorities, double check the fine print details.
Another point that you should take into account is how much money you are willing to pay for services that carry an additional cost. The price of treatments that require financing can ultimately mean that the chosen plan is not the most profitable.
What is the best dental insurance?
The best dental insurance will be the most complete when it comes to guaranteeing our dental health needs. The breadth of services is important, as is the way in which they are provided.
To determine which the best dental insurance for each person is, you have to look at:
- The flexibility to access certain benefits,
- discount rates
- Professionalism of the specialists
- Extension of the network of centers
- Immediate response to an emergency
- Compliance with guarantees
Sometimes, the portfolio of services that make up the most basic plans does not differ too much from the coverage that Social Security makes possible. However, through private dental insurance we can access a broader range of professionals and personalized assistance, avoiding waiting lists.
For frequent assistance and complex treatments, we must look for a product that covers them for free or with financing advantages. We will have to pay a higher monthly premium, but in the long run we will save a lot.
If we have young children, the best dental insurance will be the one that provides them with the most benefits at a balanced price. Policies that include free child coverage with a flexible age limit can be very convenient.
Who’s who in the world of dental insurance?
Let’s see a brief description of the most consolidated insurers in the country, so that you know the level of experience and some characteristics that differentiate each one.
Dental Adeslas
A good dental insurance must have an extensive network of clinics. A broad medical chart so that the care is agile and specialized. And this is one of the strengths of Adeslas.
Adeslas Dental has 185 service centers and more than 1,100 dentists. It offers free treatments and franchised services with discounts of up to 50%. Adeslas has specialized in health insurance since 1989. It is one of the providers with the best market position and the largest number of policyholders in Spain.
Sanitas Dental
The Sanitas Group began its journey in 1954 and is part of Bupa. One of the most recognize international companies in the health field. It has 2.8 million policyholders. Until 2017, Sanitas Dental ranked second among providers of dental policies in Spain. It has more than 180 own clinics and specialized doctors in all branches of dentistry. It provides free services for all its plans and special benefits for families.
Dental mapfre
Mapfre was create in 1933 and over the years it has specialize its coverage in different branches. It has come to lead the market in Spain and has spread internationally.
It is one of the insurers that offer more flexibility, allowing the insured to choose a personalized service plan. Offers five types of dental coverage, and it is possible to freely choose the center and the professional who will attend to us.