Finding a decent dental insurance plan can sometimes prove a daunting challenge. Yet alone trying to figure out which one is best for you! Since attempting to decipher the benefits of any insurance plan can be generally confusing to most, too many times we opt for the lower cost plan simply because it’s the easiest decision. But the cheapest plan doesn’t always represent the best value. When looking at dental insurance plans it’s important to not just weight costs, but also what kind of coverage you’ll be getting for that price. Here are five key questions to consider when choosing the right dental insurance plan for you and your family.
- What Exactly will be Covered? – Too many times we question the price on these types of things without even really considering what our money is purchasing. That’s why the first thing that you want to do is to find a plan that has the right coverage for you. Finding the right plan for you is best determined by your personal and/ or family oral health situation. Do you have a child who will most likely be needing their wisdom teeth out soon, or maybe even braces? Have you not been to the dentist in a while and have a much higher probability of needing major dental work when you make your first visit back? Or maybe you’ve never missed a regular check up and are the model of perfection when it comes to brushing and flossing daily. All of these scenarios have different levels of dental risk and therefore costs associated with them. If it seems probable that you will need some major procedures done sooner than later then it may be wise to invest the extra money in a better plan and you will most likely save big on the back end. Or if you’re Mr. or Mrs. dental hygiene maybe it makes more sense to save some money on your premium and take the lesser risk of needing something major done down the road. Regardless, evaluate your oral health situation and try your best to plan accordingly with your dental plan.
- How Much? – Going hand in hand with our first question is now the question of how much will it cost? Obviously, you can only afford what your budget dictates. Therefore, you must weigh a healthy balance of coverage and cost to find a happy medium that works for you. Remember, even when on a budget choosing a bare bones plan may save you money in the short term, but will probably just end up costing you big in the longer term. Especially if you are more prevalent to dental health issues due to poor dental hygiene. If your workplace offers a group dental plan this will most likely be your cheapest option, but maybe not your best. So shop around and choose wisely.
- Can I Choose my Dentist? – Similar to health insurance, some dental insurance policies restrict your choice of dentists. So if you have a certain dentist that you want to go to make sure that they are covered by your plan before purchasing. If not, spending a bit more to see the professional you want to see may be worth it.
- Who Will Get to Choose the Treatment Options? – Like some health insurance plans, certain dental insurance plans, especially the bare bones cheap ones can put a limitation on what procedures will be covered or not. On some of these plans they will specify that if there may be two or three treatment options, that you must go with the cheapest one regardless of your dentist’s opinion. This is not the position you want to be in so be sure to ask about this.
- Will my Appointment Scheduling Options be Limited? – Occasionally, some dentists will limit appointment scheduling to certain insurance providers. If you have a certain dentist that you want to work with and a certain timeframe that will only work for you, then be sure to ask your dentist if they follow this policy as to avoid a future surprise inconvenience.
Hopefully these five key questions will help to successfully guide you through the muddy waters of choosing the right dental insurance plan for you.
Don’t have dental insurance? Then check out our dental financing options! We are the only dentist in the Wilmington NC area that provides in house financing for our patients regardless of their insurance situation.