Bundling services sounds like the easy thing to do. The perception is that bundling gives us what we need and saves us money! But, that’s not always the case. Sometimes we don’t need – or even want – everything a bundle offers. If you combined your cable, internet, and home phone services, there was a good chance you were going to save some money. Even now, people eschew individual plan options in favor of package deals that companies would prefer you pay for. But when it comes to dental coverage, we’ll explain why you’ll want to have stand-alone dental insurance.
Buy in bulk at a warehouse, and you’ll typically get more bang for your buck. That concept is being replaced by a new one. Consumers are seeking a-la-carte options, and they’re becoming more popular. People choose separate movie and television streaming services, music streaming services, home security providers, ride sharing services, and more. They’re able to get dictate exactly what they want without adding in extras that they don’t need. This same concept should be applied when it comes to bundling dental and medical coverage. If they remain separate, you’ll pay for what you need and not what you don’t. Stand-alone dental insurance is the way to go for personalized coverage.
Don’t believe us? Here are the three reasons to subscribe to stand-alone dental insurance over bundling in other benefits:
1. Medical plans and dental plans operate under drastically different models.
Dental insurance plans are different. They operate under a preventive model. Preventive care plans have benefits that are designed to help you stop health concerns before they start. They also help to identify problems in their infancy and resolve them before they get worse.
Annual dental exams, routine cleanings, updating X-rays, and fluoride treatments are considered preventive. They’re part of a preventive treatment plan designed to keep you happy, healthy, and free from advanced oral procedures.
2. Stand-alone dental insurance gives you more choices
Hawaii Dental Service (HDS) works directly with dentists locally and nationally to create a broad network for members.
3. Individual plan options help you save
Delta Dental gives you greater access to participating providers. You’re more likely to stay in-network and enjoy lower out-of-pocket costs because of our large network. Bundling your dental and medical coverage could stick you with higher expenses. It may be costly to meet medical deductibles and out-of-pocket maximums, regardless of your health needs.
At HDS, our stand-alone benefits plans are developed based on current dental science research. We provide benefits designed for people to be their healthiest and most productive selves. Missing work (whether due to your own oral health concerns or a child’s) costs you money and time. Proper preventive care, coupled with daily brushing and flossing, will keep you healthy and smiling.
Interested in learning more about our individual insurance plan options? Visit our website to view our offerings and even get a quote online.
Editor’s Note: Content updated April 2019.