How to Get Low Cost, Discounted Dental, Eye and Health Insurance

Let’s face it, health insurance isn’t an exciting topic. However, cover for dental and eye is important for the long term health of you and your family.

Getting the right level of cover can be expensive. However, if you know where to look for the right quote, you can find affordable insurance at a discount. If you are willing to insure your dental and eye needs together (or possibly look at a complete health care package), you are in a strong position to negotiate a discount with your insurance company.

Here are some suggestions on how to negotiate a discount on your health, eye vision and dental care.

Make a list of what you need

Did you know that one of the best ways of saving money when shopping for anything is to make a list? Insurance is no different. Know what you need before you ask for a quote. Some things that you might like to include on your list are:

  • How many people do you need insurance for? (Adults + Kids)
  • Would you like eye, dental or perhaps comprehensive health cover?
  • Think about the level of cover that you need. Do you need full insurance or could you live with a fixed amount of cover. For example, could you live with a dental or eye bill of $2,000 if your insurance covered the first $1,000?

Get quotes

With your list at hand, go online and get a minimum of three quotes and take a note of these by printing them out. DO NOT BUY YOUR INSURANCE JUST YET!

Negotiate your discount

Buying your insurance online from the outset is never a good idea and you will likely end up paying more.

You need to call insurance firms to be able to negotiate a good discount. Try this approach:

  • Call the firm that provided the most expensive quote. Ask them if they can match or improve on the quote from the cheapest alternative that you printed out. You might get lucky and get what is probably the best eye and dental insurance but at a discount!
  • If you get nowhere with the most expensive quote, try again for the middle range online quote.
  • If still haven’t been able to negotiate a discount, call the firm that provided the cheapest quote and ask them to provide their best quote. You could offer your commitment to sign up immediately for the insurance if they can offer you at least a 10% discount over the phone.

When negotiating your discount, here are some general tips:

  • Always confirm if the call representative has the authority to offer a discount.
  • Have a firm idea of the level of discount that you want (e.g. 10%)
  • Offer something in return such as a commitment to sign up immediately.

By using these simple but effective steps, you will be able to find the best discount for your eye, vision, dental and health insurance and get the best cover at the lowest cost.

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