For students entering their freshman year in college, a smile can be everything. Some consider it just as important as clear skin, a great body and gorgeous hair locks. Getting a really disarming smile means having a great set of pearly whites. Needless to say, having bad breath negates much of that. However, a healthy set of gums and teeth is one quick guarantee you won't have to worry about that. The only thing to worry about is making sure that you have the means to pay a dentist when the time comes that you need dental service. Many students find to their horror that they are no longer covered by their parents' health insurance once they enter school, especially later on in college.
If you have worked to get a trouble-free set of teeth in your younger days, that will reduce the chances of having to sit in a dentist's chair in your later years. Otherwise, expect to get some cavities and get a dentist appointment on various occasions throughout the rest of your life. Getting cheap student dental insurance in your early years is one sure way to prevent these painful future visits to the dentist.
What to Expect
Dentals plans for students offer various coverage and most fall under a more embracing health insurance. Health insurance companies like Aetna also come with cheap student dental insurance often in conjunction with schools and colleges where students can enjoy as much as 50% discounts on dental care if they use approved in-house dentists. They can be part of a more comprehensive Aetna Student Health Plan as well.
A cheap dental insurance for students cover services like dental X-rays, routine cleanings and check-ups that you find in regular adult dental coverage. Like most other plans, you get what you pay for. The more expensive plans cover a broader range of dental health services like implants or orthodontia, braces, prophylaxis and extraction, to name a few.
Dental Plans
A less expensive option for students to qualify for cheap student dental insurance is to go for a dental plan. This is much like dental insurance and comes either as an indemnity plan requiring the student to pay upfront and get the dental bills reimbursed through the insurance provider or a managed-care plan where an approved dentist performs the job and the bill is charged directly to the insurance or plan provider.
The primary differences are that a dental plan works more like a discount card, similar to what Aetna provides as mentioned above and your dental insurance premiums are billed annually, not monthly or quarterly. To a large extent, this is a really cheap student dental insurance for those who have not taken care of their teeth in their younger years.
Getting One
The best way to get cheap student dental insurance is to compare the options between trusted and reputable providers. Aetna is one such option for either dental insurance or a plan. It is also possible to make comparisons by consulting with other students and their parents about their experience with a plan or insurance provider that they may use.
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