5 important steps in choosing dental insurance • Benzinga


Did you know that most of our readers prefer DentalPlans.com for their dental savings plan?

Like health insurance, home insurance, and auto insurance, you should take the time to compare dental insurance plans before purchasing a policy.

Our guide will walk you through some of the key considerations you need to take into account before choosing a font.

Step 1: Understand your dental needs.

Everyone has different dental needs. A young single person with no history of dental problems will need less coverage and pay less than a family of 3 with a history of gum disease. A family with young children should also be concerned about any complications that may accompany growth, such as the need for braces.

In order to understand your dental needs, it is best to make a list of your dental history and that of your family. This includes past, present and future (professionally planned) needs. You’ll also want to take a look at what you’ve paid for previous dental visits and problems, which will give you an idea of ​​your wants and cost requirements.

Step 2: Review your insurance options

You can get dental coverage using 1 of 2 types of plans: a comprehensive health plan that includes dental coverage or through an independent dental insurance plan.

Insurance companies sometimes include dental coverage as part of the health plans that you get on the job, but others don’t. Check to see if dental care is covered by the health insurance plan you can get from your employer.

Step 3: Compare dental insurance plans

An insurance plan offered by an employer or an association is a group plan. An individual plan is insurance that you purchase yourself.

Let’s take a look at a few more details you can use to decide what type of plan is best for you.

Group dental insurance

Group insurance plans are generally a dental plan that you get in your workplace. With group insurance, you will have a limited choice of plans to choose from, and you will generally not be able to shop around competing companies.

However, your employer will pay some or all of your premiums or deduct your portion of your premium from your paycheque when you are enrolled in a group plan.

Individual dental insurance

You can purchase individual dental insurance if you do not get health insurance from your employer or if your employer does not provide dental coverage. You will be able to shop around and choose the plan you want for you and your family when you choose to independently purchase a dental insurance policy.

While you will generally pay more for coverage with a stand-alone plan, these plans give you more options and make it easier for you to customize your coverage.

Step 4: Review a list of dentists included in coverage

Each dental insurance plan will have a different network. A dental insurance network is made up of all the dentists in a given region who are willing to accept the dental insurance plan you have chosen.

If you have seen a dentist before, check whether or not they are part of your new network. If they’re not in your network, you’ll likely have to pay more money to keep seeing them.

You can choose between any of the dentists in the insurer’s network that accepts new patients. You should consider doing some research on the dentists who are included in the coverage you are considering. If there are few options in your area, you may want to consider choosing another insurance plan.

Step 5: Check the coverage

Knowing what type of dental insurance plan you have will help you choose a dentist, lower your costs, and understand exactly what is covered and what is not covered by your insurance. There are different types of plans that offer different coverage.

  • Preferred Supplier Organizations (PPO). A PPO does not have a list of network dentists that you need to see. Although you usually save money when working with a network dentist, you can still use your insurance benefits with dentists who are not in your network.
  • Dental Health Maintenance Organization (DHMO). DHMO plans have a defined network of dentists who accept your insurance, and you must visit a network dentist to use your benefits. HMO plans give you less freedom to choose your insurance provider, but are generally less expensive than PPO plans.
  • Reduction plans. While technically not an insurance plan, a discount plan allows you to cut costs for major dental procedures and medical exams in exchange for a monthly subscription.

Each of these plan options offers coverage for different circumstances, as well as different premiums and fees. If you are not sure what is covered under the plan you have chosen, contact your insurance provider.

Dental insurance benefits

The benefits you receive depend on the dental plan you choose. Some possible benefits may include:

  • Preventive care. This covers routine oral exams, dental cleanings, fluoride treatments, and routine x-rays.
  • Basic catering services. Usually includes fillings, root canals, and other types of regular and routine treatments.
  • Great catering services. Crowns, dentures, implants, and some oral surgeries are generally considered major services.

Benefits can vary from company to company, so make sure you understand the benefits you will receive with the plan you choose before signing a contract.

What is the real value of dental insurance?

The cost of dental insurance varies from state to state. The cost will also depend heavily on your income, where you live, how old you are and how many people are covered by the policy.

You can pay as little as $ 15 per month if you’re an individual, but those rates can increase dramatically as you add family members to your plan. Your policy will also have a maximum limit on the total amount of benefits you can claim.

The monthly cost of dental insurance is insignificant compared to what you’ll have to spend in case you need to seek emergency dental treatment. The average cost of a dental crown in the United States is between $ 500 and $ 3,000, while dental implants can cost you up to $ 4,500.

Even routine cleanings can cost anywhere from $ 75 to $ 200 without insurance, while you will typically pay $ 0 for preventative care when enrolled in an insurance plan. If you have little savings or a long history of family dental problems, you may be able to save hundreds or even thousands of dollars by purchasing a dental insurance policy.

How does dental insurance work?

If you have health insurance or a supplemental insurance plan, you are probably already familiar with the dental insurance process. First, you will choose a dental insurance plan and review your options for service providers. After you have chosen a dental service provider and received treatment, your dental office will review your insurance coverage and ensure that the services you have received are covered under your plan.

From there, you will be responsible for paying your plan’s coinsurance percentage. If your plan has a deductible, you will also need to pay the deductible before your insurance helps cover the cost of your treatments. While preventative care will typically cost you $ 0 with dental insurance, you may need to pay up to 50% of the cost of major restorative services like crowns and bridges.

Dental insurance waiting period and limits

Most dental insurance plans have a waiting period that you must meet before you can use your plan’s benefits. Although the majority of dental insurance plans do not have a waiting period for preventive care, you may have to wait up to 3 months before you can use your insurance for major services.

Your dental insurance plan will also include a limit on the total amount of benefits you can claim from your plan. Once you reach your annual limit, you cannot continue to claim benefits from your insurance plan provider.

Best dental insurance companies

Confused About Where To Begin Your Dental Insurance Search? Consider starting with a few of our favorite dental insurance providers below.

Don’t wait until you have a major dental emergency to start shopping for dental insurance plans. Your dental insurance plan will have a waiting period that will prevent you from using your benefits until a few months after a policy is approved. The best time to start shopping for insurance is now, before you need major dental treatment.

Frequently Asked Questions

Is it worth having dental insurance?


Is it worth having dental insurance?


Sarah horvath


If you have little savings or have recurring dental needs, you may be able to save money with a dental insurance plan. If your teeth are still healthy and you can cover your cleanings out of pocket, you may not need dental insurance.

Reply link



Can I purchase dental insurance without health insurance?


Can I purchase dental insurance without health insurance?


Sarah horvath


You can purchase an independent dental insurance plan without insurance, but you cannot purchase a dental insurance plan through the Federal Market without already having a Market health insurance plan.

Reply link



Get 10% off any dental savings plan on DentalPlans.com. You can reduce your dental care costs by saving 10 to 60% at the dentist!


Comments are closed.