How to Apply for Medical & Dental Care

If you do not have medical and dental care through your job, you can apply for the coverage on your own. Insurance companies sell medical and dental insurance direct to the consumer. Typically you can get medical and dental care coverage from the same company. An advantage of getting medical and dental care coverage on your own is that you are not limited to the plans offered by your company - you can buy any plan you choose.

Instructions

• 1

  Solicit quotes for medical and dental care for your family. Do this by visiting local insurance agents, insurance company websites or a generalized site, such as eHealth Insurance. To get the quote online, you must give your ZIP code, date of birth, gender and answer some basic health questions.

• 2

  Review the quotes you received to evaluate your different available plan options. The various plans likely have different deductible amounts, different co-pay amounts and different coverage. If you have a specific need, such as dental fillings covered or maternity coverage, look specifically for those things in the quotes.

• 3

  Discard quotes that do not meet your needs or exceed your budget. Look through the remaining quotes to identify the one that best meet your medical and dental needs, and your budget.

• 4

  Submit an application either directly online or via a local agent. The application requests each applicant's full name, date of birth, Social Security number, address, phone number, height, weight and medical history. Everything you enter on the application will be verified, which may result in a higher monthly premium or a waiting period for specific procedures or benefits.