Top 6 Factors to Consider When Choosing Dental Insurance Plans

When you are choosing dental insurance plans, one of the first things you will realize is that there are a lot of options available. With so much choice, you may become overwhelmed trying to find the right plan for you and your family.

While this is true, some tips can help ensure you find the right plan for your needs. Keep reading to learn what those tips are.

  1. Understand the Basics of Dental Insurance

When you go to a dentist, they may offer financing plans, such as http://www.boisedentist.com/dental-financing-and-payment-options/i-have-no-dental-insurance/, to help you cover the cost of treatment.

While this is true, dental insurance is still beneficial as it can help to offset the cost of treatment further.

Keep in mind, though, dental insurance and health insurance aren’t the same. While people use health insurance to handle large healthcare bills, dental insurance is focused on covering lower-cost, preventative types of treatments.

Usually, dental plans will cover around 100% of preventative care treatments. This includes things like x-rays, checkups, and cleanings. They will also cover around 80% of basic treatments, like fillings, and around 50% of more expensive treatments like crowns and root canals.

In most cases, you will have to have your dental insurance coverage for about a year before it will cover more expensive and complex procedures.

While cost varies, the average cost for a dental insurance policy for one person is around $350 per year. For a family, the cost is about $550 per year.

  1. Ask Your Current Dentist What Plans They Accept

If you have a dentist, you use regularly and that you are comfortable with, ask them about what insurance they accept. You can also ask the dentist or office staff if they recommend one insurance plan over another.

Finding a plan, your existing dentist supports that also fits your family’s needs will help you avoid changing dentists or dental offices.

  1. Plans Typically Cover Preventative Care Treatments

Yearly or six-month checkups can be expensive. Usually, these involve having your teeth cleaned, a visual inspection of your teeth, and x-rays. All these services can be more than $200.

Usually, quality dental insurance plans will cover 100% of the total cost. While this is true, some will only cover about 60%.

When you purchase a dental insurance plan, be sure that preventative care fees are included. It is these visits that will help you prevent more expensive appointments down the road.

  1. Understand the Deductibles, Limits, and Caps

Most dental insurance policies will cap total coverage between $1,000 and $1,500 each year. Once you reach this cap, you must cover the cost of dental care and treatments for the remainder of the year.

Since the average cost for the placement of a crown is between $750 and $1,200, and one implant can start at $1,500, it is easy to exhaust your yearly dental allowance with one treatment.

The dental plan you choose will also likely have a deductible. This is what you must pay out of pocket for dental treatments and services before insurance kicks in.

However, if you purchase a “bundle” that includes dental and health coverage, it’s a good idea to make sure your deductible for the dental plan is separate from the health coverage deductible. Unless you may have thousands of dollars in medical bills each year before you require dental care, you need to make sure your dental plan’s deductible is separate.

  1. Acquire Several Quotes Online

You can find several tools online that will help you narrow down your search for the right dental insurance coverage. Sometimes, websites provide more specific searches designed to help you compare different plans.

It is a good idea to request written quotes from several providers. This helps you compare the costs of each one. It is also necessary to think about all the dental treatments you and your family may need.

Knowing this is going to help you compare plan options and find what is best for your situation.

  1. Understand the Waiting Period

While dental plans can help you save a lot of money, you don’t want to save up all the treatment services you need for your first month of coverage.

Usually, preventative care visits will be covered right away or within just 30 days. Most restorative services will likely be covered within three months, and all major treatments after just six months.

Even at this point, you need to find out what your policy covers during 12 months. Some policies will only cover a few select services each year.

Also, dental plans have to remain in effect for at least a year. This means you should let go of the plan to purchase dental insurance to cover the extensive treatment you need.

This is extremely beneficial for you since you want to ensure you maintain good oral health now and in the future.

Now You Know What to Consider When Choosing Dental Insurance Plans

When you are ready to begin choosing dental insurance plans, there are several factors to consider. Knowing how to choose the right plan will pay off and help ensure you get the quality coverage you want and need.

Remember, each person is unique, so you need to base your decision on the plan that best suits your needs.

Are you ready to learn more about choosing a dental insurance plan? If so, be sure to check out some of the other blogs on our site. We post often to help keep you informed and updated with the latest information and trends.

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