Choosing the right dental insurance plan is important because dental work can be expensive. Even a simple filling can be costly. Knowing what to look for when choosing a dental insurance plan, and understanding what is covered can help you figure out what plan is best for you. Most dental plans will cover 100% or preventative care if you use in-network dentists. This includes exams, x-rays, and cleanings. Basic procedures are typically covered at 80%, and major procedures are usually covered at 50%.
What Should I Check for When Choosing My Dental Insurance?
Check to see if your insurance company provides group coverage through your employer or programs such as Medicaid. These types of plans can be less expensive and have better benefits.
Check Individual Policies
Individual policies are always more expensive compared to a group policy. Most come with limited benefits, and patients should plan ahead if they need a large procedure. Many insurance companies require a waiting period before you can use the insurance coverage. If you wish to avoid the waiting period there are other plans that do not require you to wait before coverage is available.
Check for Dentists in Your Network
If you know a dentist in your area that you like, ask what insurance plans they accept. Certain policies allow you to go to the dentist of your choice. Other plans such as PPO or HMO require you to use a dentist in their network.
Understand Your Coverage
Dental insurance can be confusing, and it is important to really understand what is covered, and what your expenses will be. Research what procedures are covered and what is not so you are prepared. Some plans have benefits that are limited, and they also have waiting periods before coverage can begin. Knowing how your insurance coverage works can help avoid headaches, and help you choose the best plan available.
Most insurance coverage is great for preventative care such as exams, cleanings and x-rays. Visiting the dentist is important, and choosing the coverage that is best for you can help you pay for those expensive procedures you may need in the future. Talk to your insurance provider to really help you understand the different plans, so you can choose the plan that best works for you.
Do You Have Questions for Our Team?
At Fundamental Dental, we accept many insurance plans and offer alternative in house payment options for those patients that may not have dental coverage. Our goal is to ensure all of our patients can receive the treatment they need. Our staff is always available to answer any questions you may have regarding insurance or financial options.
We care about our patients, and want you to have the best experience when you visit our office. Taking care of your oral health is important, and knowing what coverage you have can help reduce stress, and make your appointments go smoothly.