Dental insurance is an important aspect of overall health coverage, yet many people struggle with choosing the right plan. When selecting a dental insurance plan online, there are several key factors to consider. Here are 12 questions to ask when making your decision:
What is the annual maximum benefit?
The annual maximum benefit is the most the insurance company will pay out in a year. It’s important to choose a plan that provides a reasonable annual maximum, so you can get the dental care you need without paying out of pocket.
What is the deductible?
The deductible is the amount you must pay before insurance kicks in. Deductibles can vary greatly, so it’s important to consider what you can afford. Keep in mind that lower deductibles typically mean higher monthly premiums.
What is the coinsurance?
Coinsurance is the percentage you pay for dental services after the deductible has been met. For example, if your insurance plan has a 20% coinsurance, you would pay 20% of the cost of a dental service, while the insurance company pays 80%.
Does the plan cover preventive services?
Preventive services such as cleanings, exams, and X-rays are important for maintaining good oral health. Make sure the plan you choose covers these services, so you can stay on top of your dental health without incurring significant out-of-pocket expenses.
Does the plan cover basic services?
Basic services such as fillings, extractions, and periodontal treatments are important for fixing minor dental issues. Make sure the plan you choose covers these services, so you can get the dental care you need without incurring significant out-of-pocket expenses.
Does the plan cover major services?
Major services such as crowns, bridges, and dentures are important for restoring your smile and oral function. Make sure the plan you choose covers these services, so you can get the dental care you need without incurring significant out-of-pocket expenses.
Does the plan cover orthodontic services?
Orthodontic services such as braces and clear aligners are important for correcting bite and alignment problems. Make sure the plan you choose covers these services, so you can get the dental care you need without incurring significant out-of-pocket expenses.
Does the plan have a network of dentists?
Many dental insurance plans have a network of dentists you can see for covered services. Make sure the plan you choose includes a network of dentists that is convenient for you, so you can get the dental care you need without traveling far.
Does the plan allow you to see any dentist you choose?
If you have a preferred dentist you would like to see, make sure the plan you choose allows you to see any dentist you choose. Some plans may require you to see a dentist within their network, so be sure to consider this when making your decision.
Does the plan have waiting periods?
Some dental insurance plans have waiting periods for certain services, such as orthodontic services. Make sure the plan you choose does not have waiting periods for the services you need, so you can get the dental care you need when you need it.
How does the plan handle pre-existing conditions?
Pre-existing conditions such as cavities or gum disease can impact your dental health. Make sure the plan you choose covers pre-existing conditions, so you can get the dental care you need without incurring significant out-of-pocket expenses.
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