What Should I Consider when Choosing a Dental Insurance Plan?
Choosing a Dental Insurance Plan can be confusing. With so many choices, how do you know which plan is right for you and your family? Olympia Hills Family Dental is here to help you confidently choose a plan that is right for you. Here are five points to consider when choosing dental insurance benefits.
1. What are Your Dental Needs? The first and most important question you should consider when choosing a dental plan is the dental needs of you and your family. Do you have a history of dental treatment? Are you or a member of your family missing teeth? Been told you have periodontal (gum) disease? Currently experiencing dental pain? Have crooked teeth and are considering orthodontics (braces)? If the answer is yes to any of these questions, consider getting a high plan. You may pay a higher monthly premium, but in most cases, these plans provide you with greater coverage for these types of dental procedures, commonly known as major treatment.
2. Is there a Wait Period for Major Treatment? Read the small print. While the plan may cover treatment such as crowns and braces, there might be a waiting period for these services. These waiting periods typically span between 12 and 18 months depending on the plan and the treatment.
3. Does it Cover Pre-existing Conditions? This is especially an important if you have missing teeth and are looking for dental benefits coverage for replacement options such as implants. Some plans exclude treatment for teeth that were missing prior to your enrollment date. Once again, read the fine print to find these details.
4. Is My Dentist in Network? While it is true that you will probably save money by going to a dentist that is in network with your plan, how much money varies by plan. Some plans offer excellent out of network coverage while others do not. Most insurance plans put a big emphasis on you choosing an in network provider because it saves them money when you choose this option. Review the coverage table for the plans you are considering and it will show you the percentage rate it provides both in and out of network.
5. How much does it cost? What might seem like a good buy at first glance might cost you more in the long run. It is important to consider all the factors listed above when budgeting for your dental care. A plan with a low monthly payment may look appealing but if it has a large deductible or only covers preventative care (dental cleanings), then in reality, it may cost more than a plan with a higher monthly payment but better coverage. We hope you find these tips helpful and they encourage you to become your own dental advocate when it comes to choosing a dental insurance plan that is best for you and your family. Do your research, read, and ask questions.