The high cost of dental care has led many people to strongly consider dental insurance for themselves and their families. Not all policies are created equal, so seeking out the differences between plans is an important step when shopping around. Below are ten key points to know about dental insurance and dental coverage.
1. Employer-based coverage is generally the most affordable choice. Employers pool their resources to purchase less costly group coverage, so check out your company’s offerings before you start shopping on your own.
2. Not all services are covered. Some dental insurance policies are quite comprehensive, while others are far more limited. Be sure to read the fine print carefully so you know what is – and is not – covered.
3. Your current provider may not accept your policy. It is up to each dentist to determine what types of insurance they will, and will not, accepted. Always check with your current dentist to make sure the policy you are considering will be accepted.
4. Preventative care is a priority. Most policies focus on preventative care – things like routine cleanings, annual exams and fillings. If you need more extensive dental work, you will need to shop carefully for a policy.
5. There will likely be a deductible. Having dental insurance does not mean you will pay nothing when you go to the dentist. Be prepared to pay a deductible for the care you need.
6. Your health insurer may provide some limited dental care. Some health insurance policies include basic dental care, although that care is often limited.
7. Prices vary widely. Shopping around is vital if you want to get the best coverage for the lowest price. Always do your homework when choosing a dental insurance policy.
8. It is important to review your coverage. Reviewing your insurance coverage is essential, so schedule an annual checkup to make sure the plan you have in place still meets your needs.
9. Your policy may not cover braces. Whether they are designed for children or adults, braces can be expensive, and not all dental plans cover the cost. If you think braces are in your future, shop around carefully for a plan that will cover the work.
10. A discount plan could be an affordable alternative to full-cost dental insurance. If your dental care needs are limited, you may save more with a discount plan. These plans provide savings on things like cleanings, fillings and other routine dental care, often for less than the price of traditional dental insurance.
Dental care is not getting any less expensive. If you are serious about caring for your teeth, having a quality dental insurance plan in place can help you rest easier. The ten tips listed above can help you reduce the high cost of dentistry while still getting the care you need for you and your family.