What should you look for when exploring options for dental health plans? Here are some tips to help you through the process of finding the perfect dental plan for yourself or your family.
Dental Health Plans – Insurance vs. Discount
There are insurance policies and there are discount plans. Insurance policies will cover a specified amount of the cost (up to 100%) whereas discount plans provide you with discount options. Discount plans enable you to buy a discount card to use at participating dental offices which entitles you to a discount off regular pricing for dental services.
When shopping for dental health plans, some will offer basic coverage and other plans will offer more comprehensive options. Consider your options and look for the most suitable plan so that you can take advantage of it.
If you have a history of dental problems, you’ll need more comprehensive cover than if you’ve got a cavity-free mouth and religiously brush and floss daily.
Try to think long-term when choosing a plan. If you have children, for example, you’ll want to look at the potential for orthodontics, for example. If you have crooked teeth you may even look at your own options for braces for teeth, as another example.
It is often easy to sign up for basic coverage when you aren’t in the middle of a dental health crisis but try to consider the future.
If you’re signing up for a new insurance policy, you may have limited coverage in the first year of the policy. You also want to consider the fact that some plans cover 100% of fees with and with a cap for how much you can spend in a year.
Other plans cover 50% of fees but offer unlimited coverage so you may not be capped at $1,000 or $2,000 per year. Look at your options and weigh them against the premium you’ll spend.
Low Premiums Aren’t Everything
If you look at the cost of coverage for yourself and / or your family for one year and price out individual basic services, it can be easy to see how fast dental bills will add up.
When trying to compare prices on premiums, consider how much you might spend in an average year and add a worse-case scenario in case there’s the need for endodontic surgery or an emergency as well.