How do I determine the best and most cost-effective dental insurance plan for me? Finding the right dentist and dental insurance could be quite an ordeal. There are so many plans available out there. The “best plan” varies among people. The best plan for others may not be the best for you. Here are important things you should keep in mind to guide you as you go through your options. We are here to equip you with information so you could make informed choices when it comes to dental insurance plans.
- Keep these questions in mind. Consider these things and you will get to the plan that’s right for you:
- How cost-effective is the plan?
- How much will I spend for this plan every month?
- Should I find a plan that covers only major dental procedures or all dental costs?
- Can I afford the insurance with my children as dependents?
- Is there a deductible I have to reach before my coverage starts paying a portion of the cost?
- How much do I have to pay out of pocket if I want to see dentists outside the network?
- How many dental visits are covered and how much is my co-payment or coinsurance?
- If I choose an affordable policy, will it still cover the dental services I need?
- What dental care providers are part of the plan?
- Does their network give me access to many dental care providers?
- Are there many dental offices in my area that are under the insurer’s network?
- If I need to see a dental specialist, do I need to get a referral first?
- In case I need major dental work, is there a limit on the covered benefits?
- Is there an out of pocket maximum?
- Will the plan cover prescription in case I will need it?
- Is there a particular insurance plan that yields optimum results?
- Are dental plans being rated by government organizations? Where can I see these ratings?
- What do my friends say about their insurance plans?
- What is my dentist’s opinion about certain dental plans?
