If you are looking for a dental insurance plan, then you should allow yourself ample time to find the right plan. While taking recommendations from your peers is a good way to get insight on dentists, dental insurance plans should cater to your specific needs. It is best to determine which services you will need to be covered and compare those to the services offered by different dental insurance plans.
Researching the services that you would like to be offered is an important step that must be taken before committing to a dental insurance plan. Through this process, you can also find dental rates, premiums and more and compare those to your financial situation. For more information on what dental insurance is, what types of dental insurance is best, which dental insurance plans cover the most services and more, refer to the sections below.
Understanding Dental Insurance
Health insurance is typically used to pay for costly medical bills. While it is beneficial to have health insurance, your health insurance does not take care of dental procedures. This is why having dental insurance is important. Typically, dental insurance prioritizes covering low-cost preventative procedures. Under the preventative category, most plans cover 100 percent of the procedures. Many plans will allow you to receive root canals and crowns for free. However, in order to receive your benefits and discounts, you must be on the plan for a certain amount of time.
Members of dental insurance plans benefit by not having to pay full price for any procedures. Being on a plan for a year will normally grant you access to more costly procedures, while basic restorative procedures only require six months of coverage before you can be considered eligible.
If you are looking for an individual dental insurance plan, then the price is usually around $350. If you are trying to find a plan that covers your family, then you can find plans in the $550 range. You also have the option of buying dental insurance from independent insurance agents, online marketplaces or from health exchanges.
Caps, Deductibles and Limits
Many dental insurance policies cap your coverage at $1,000 to $1,500 annually. After you reach your annual cap, you will have to pay for your dental care for the remainder of the year. It is easy to meet your cap and exhaust your annual dental allowance quickly because services like implants can cost anywhere from $750 to $1,200. Because of this, it is important to use your insurance benefits efficiently.
If you are looking into dental insurance, then it is important to note that with most insurances you will have to pay a deductible. A deductible is an amount of money that you have to pay out-of-pocket for services before your insurance begins to cover a portion of the costs. For an individual plan, the price is around $50 for a deductible, while deductibles for family plans can cost around $150. In the event that you buy an insurance bundle that includes health and dental coverage, you should make sure that your dental plan’s deductible is separate from your health insurance deductible. It is common for health insurance deductibles to cause you to have to pay thousands of dollars before your coverage can start. Having these deductibles separated can help you avoid paying an exorbitant amount of money for medical bills annually.
The Best Dental Insurance
In the case that you have a dentist that you visit regularly, it is in your best interest to ask them what insurance plans they accept and which ones they recommend. If you do not already have a preferred dentist and do not mind going to a new dentist, then search for plans based on coverage rather than dentists that accept the plan.
There are many websites that can help you find the right dental insurance coverage. Some sites will rank dental insurance and dental savings plans based on certain criteria. The criteria usually consist of the number of dentists in the plan’s network, the savings you receive with the plan, the plan’s coverage costs, the annual maximum cap and the plan’s coverage for specific dental treatments.
Knowing which insurer you prefer is the first step. If you need help choosing a plan out of the ones that your insurance provider offers, then there are websites that are dedicated to explaining the difference in insurance plans. These sites provide a streamlined way to compare plans and choose which plan works for you.
Dental Insurance That Covers Everything
If you are looking to get braces, dentures or bridges, then you should find a plan that covers these procedures because they are not always covered by all insurances. While researching, it is important to find a plan that makes sense in regard to the amount of coverage it offers you. Everybody does not require the same financial assistance. When choosing a plan, make sure your coverage caters to your financial situation.
Many traditional dental insurance plans do not cover extensive procedures for major restorative dental work. Major restorative procedures include full sets of quality dentures and cosmetic procedures like veneers or dental implants. In the case that you are wanting coverage for extensive procedures that can address your dental issues without having to wait for a long time, dental insurance plans may not be the best option. Dental savings plans may be a better option if you are searching for immediate coverage for extensive work.
With a dental savings plan, you are offered discounts that range from 10% to 60% on common dental care if you pay an annual fee. As an affordable alternative to dental insurance, dental savings plans have no annual caps, no waiting periods to access services and no preexisting condition restrictions. Many online sites offer dental savings plan comparisons that allow you to compare dozens of options.
An advantage of using websites to find a dental insurance plan or dental savings plan is the features that narrow your options. As stated above, consulting your dentist is another way to choose the right plan for you. Keep in mind that the best plans are the ones that are customized to your needs and finances.