For many of the young adults who have graduated and are headed into the work force, it comes as a shock just how elusive a full time job that comes along with health and dental benefits can be to come by. Even worse, they are often aging out of their parents’ workplace plans, and are no longer taken care of by their student coverage. For many of these young adults, they are only left with two options: pay out of pocket, or go without coverage. Even with recent healthcare reform measures, healthcare costs can often be unaffordable to individuals living on entry-level wages or contract-based work.
Experts agree that if you are young, healthy, single, and without large financial obligations such as a mortgage, forgoing coverage, at least in the short term, may be your best bet. If you believe you are going to get a full time job with benefits, then waiting may be your best option. However, if you do choose to go without medical coverage, it’s important to realize that one accident can leave you with an unaffordable bill.
Even with comprehensive healthcare coverage, some policies cover as little as 50 percent of dental costs. If a coverage policy is unaffordable to you currently, you may be better off paying directly in a pinch. Many dental practices do offer discounts for individuals who need to see a dentist with no insurance.
If you find yourself in need of dental coverage or services, consider the following options:
- Visiting universities with dental schools that offer clinics
- Checking to see if you can extend your coverage through your parents’ plan
- Seeing if your college offers an alumni health plan
- Searching for a dental practice that offers uninsured discounts
It shouldn’t be difficult to get the dental procedure you need done, even without insurance. If you’re in pain or just need a procedure taken care of, you can see a dentist, even without insurance. For more information on dental services, contact Boston Dental Group at (702) 388-8888 today.