Health insurance in general is expensive even if you get it through your employer; if you happen to be on COBRA because you are between employers it’s even more expensive.
If you have children and they are a part of your insurance plan through your employer the limit for insurance plans is 18 years old. In some instances if they are attending college full time you will be able to cover them to the age of 25 years old.
If you work for a small company the chances of having medical or dental insurance are slim to none and if you are self employed your premiums are going to be very high.
Since a lot of employers have had to make cut backs due to the economy and growing pains the first benefits that suffer are usually your health and dental.
Since these issues are so prominent supplemental insurance coverage has become the solution for most people shopping for medical and dental coverage.
There basically two types of supplemental insurance coverage that is available to the consumer.
Student Coverage is usually offered through colleges and universities at a small annually fee. The annual fee is usually between $120 and $180 and they cover most medical and dental routine care. With some plans you may be part of a medical network and be assigned to a medical clinic. There will be small co-pays associated with these plans for the most part the offer a great alternative.
Discount Medical and Dental Coverage
Discount medical and dental plans are a great alternative because they offer medical and dental services at discount prices. What usually happens is that a company will negotiate medical procedures, routine visits, routine exams and ancillary services with providers. The negotiation will give the consumer purchase power and will lower your medical expenses. An example of this would be were you pay a monthly premium of $14.95 for supplemental dental coverage and your fillings would cost you $7.00. These plans are an excellent alternative for students, seniors, self employed and small businesses.
Supplemental health and medical coverage is a great affordable way of having medical services available at a discount price. Most of these plans start at approximately $8.00 a month for basic dental and can top off at around $60.00 monthly. Most of the supplemental medical and dental coverage can cover everyone in your household regarding of the type of relationship. The coverage has grown in strength and popularity due to the fact that there is a growing population of the self employed and the high cost of traditional insurance cost.
Do yourself a favor and check out the different options you have when it comes to medical and dental coverage, you might surprise yourself.