What to Look for When Choosing a Dental Insurance Plan
Posted on 4/27/2016 by Nicholas Dose
Choosing a dental insurance plan can be a difficult decision, especially when insurance companies tend to use confusing terms and jargon that you might not be familiar with. However, there are a few simple things you should always look for when comparing dental insurance coverage options.
When searching for a dental insurance plan, one of the most important things to look for is the preventative coverage, as you should be using these services most frequently.
Preventative coverage should include regular exams, fillings, and routine X-rays. You will want to find out exactly how much the plan pays, what you will be charged for co-pays, and if you are restricted to a certain number of visits per year.
Major Procedure Coverage Another issue to look for is what your carrier will pay for emergency dental procedures. These can include bridge work, root canals, or extractions. Emergency procedures might also be included in this category, but it is important to note that these procedures tend to come with higher co-pays.
This is especially important coverage for parents, as many families have at least one child that needs braces during their teenage years.
Unfortunately, orthodontic work costs can add up quite quickly, so you will want to know what type of assistance you can get on any potential plan. Be aware that there might be a lifetime maximum associated with orthodontic coverage on certain plans.
Pre-Existing Condition Coverage
Some dental plans may have an issue with pre-existing conditions, so if you need to have dental work done as a result of a past problem, getting it covered might be an issue. Discuss pre-existing condition coverage requirements with any potential plan before you make a decision on a policy.