Dental care is an important element of your overall health and dental insurance premiums are a lot less as compared to those you pay for health insurance. While dental insurance plans may not be as comprehensive as healthcare ones because they have an annual limit for coverage, but they do cover 80% to 100% of routine dental exams, cleanings and x-rays. Likewise, you will also be able to get at least 50% of the cost of root canals, crowns and gum disease treatments. However, there are some dental procedures, such as cosmetic dentistry and orthodontia, which may not be covered at all. Of course, this also depends on the kind of dental insurance plan you choose.
Even people with dental insurance may delay procedures due to cost constraints because insurance may not provide coverage or they have used up maximum coverage. If you want to avoid facing unexpected expenses, you should take the following important steps when choosing dental insurance:
- Look for group coverage
Most people who have dental insurance get benefits via their employers or group coverage programs. This is because they are less expensive as opposed to individual dental insurance programs and also provide better benefits. Nonetheless, you should take a long and hard look at the details of the plan to decide whether the premiums are worth it.
- Check out individual policies
Individual policies, as mentioned above, tend to be more expensive than group policies and have more limited benefits. Furthermore, they also have waiting periods for some big and major procedures. Thus, if you are contemplating signing up for a plan because you need a new set of dentures or new implants, you should know that insurance companies do not allow you to use certain benefits before a year. As a result, it is recommended that you do some comparison shopping. This involves getting policy details and price quotes from several companies so you can find the most affordable dental insurance.
- Go over the list of dentists
If you opt for an indemnity insurance plan, you can visit a dentist of your choosing, but other plans may restrict you to dentists in their networks. If you like a dentist, you should ask them about the insurance plans they accept. If you don’t have a problem with going to a new dentist, you can easily sign up for any plan that meets your needs.
- Know what is covered in the policy
When you are trying to make a budget for dental expenses, you need to carefully review the policies you are thinking about. For instance, under some insurance plans, you can go for dental repairs, root canals, oral surgery and gum cleaning right away whereas other treatments, such as gum disease, cast and crown restorations and dentures cannot be availed until the second year. In this case, you may have to bear some of the cost.
The best part about dental insurance is that you get coverage for preventive care, which is enough for most people in the long term.