There are a variety of dental insurance plans to choose from. The key to choosing the right plan is to evaluate your needs and thoroughly comparing each offer before deciding on a particular dental plan.
Often overlooked, dental care and hygiene are, in fact, essential to a person’s general well-being. Your primary consideration for choosing a dental plan may be the price – who wouldn’t want to find the lowest rates in the bunch and just choose that? But while it is true that dental insurance can be quite costly, it is not impossible to find high-quality and affordable dental plans. Automatically going for the cheapest dental insurance can leave you insufficiently protected and without access to crucial dental services that you or your family may need.
Things to Consider
Each individual has different needs. Your friend’s dental insurance coverage may work for him, but it may not work for you. It is important that you assess your own requirements. List down a comprehensive list of your needs, then gather offers from different dental insurance companies. Here are a few things you need to consider in order to determine which dental plan will suit your needs best.
- Cost: How much are you willing and able to pay on a monthly basis for your dental plan? This is a major consideration, especially if you are footing the bill for a family dental plan. Make sure you understand the terms of the policies, and if not, don’t be afraid to ask questions. Learn about the deductibles and the copayments you will be required to shell out. Reputable dental insurance companies usually split the cost of treatment in half with the client. The company should provide you with a Usual, Customary and Reasonable guide or UCR guide to help you compare how much you will need to pay with the dental plan, and how much you would need to pay without it.
- Coverage: Carefully go through the policies to make sure you are not only going with the most affordable dental care, but also one that allows more coverage. Make sure that the dental plans you are considering cover preventive and diagnostic dental care, basic procedures and emergency treatment. Contrary to what you may think, a quality dental plan will require little or no copayment for these dental services. Good dental plans offer at least two routine cleanings in a year. Additionally, compare dental plans to find out the expanse of the coverage offered. Some only cover the cheapest treatments or procedures available, while others allow the dentist and patient to choose from a variety of options open to them.
- Dentist Network: Do you have a dentist that you trust and prefer to continue to visit? Does he belong to the plan’s network of providers? If not, are you comfortable with settling for one who does? Or would you rather have a dental plan that allows you the flexibility of choosing your own dentist?
- Restrictions: Check how much your plan’s yearly maximum is set (the usual is $1,000 per year). This means that your dental insurance will only cover treatments and procedures up to the maximum amount in one year, and you will need to pay the difference if you go over the limit. On the other hand, if, for example, you only use up $500 of your coverage, the unused amount will not roll over to the next year.