Choosing dental insurance isn’t always easy. You may not be sure which type includes the benefits that you’re looking for at the price you’re willing to pay.
Here are five key questions to ask before you finalize your choice for dental insurance for you and your family:
1. Can I Choose My Own Dentist?
Dental plans typically offer coverage to patients of either in-network or out-of-network providers, but you’re going to pay a whole lot more if you opt to see an out-of-network dentist.
Before choosing dental insurance, check to see if your preferred dentist is covered. If he or she is not, you may want to suggest your company look into plans that allow you the option to pick your own provider.
2. What Types of Major Procedures Are Covered?
Dental insurance will cover many procedures, but sometimes certain services are excluded. Other times you must go through a trial period before you’re eligible for full coverage. Check to see if dentures and treatment for temporomandibular joint disorders are covered too — you never know what problems you might encounter down the road.
Also, check the timing of the coverage. If you need dental work now, like a crown or bridge, it might be worth it to pay extra for a plan that will cover you right away for this work.
3. What Is the Annual Deductible?
You need to know how much the deductible is before choosing dental insurance, otherwise you could end up paying a lot more out of pocket than you intended. Also, ask how much you will be expected to pay for each office visit and procedure, such as cleanings and X-rays.
4. How Can I Get Emergency Dental Care?
Some plans may have a procedure to follow in order to have a claim approved. Make sure that you are fully aware of the details so that you know how to get emergency dental care when you need it without having to worry about a claim being denied.
5. Does the Plan Include Orthodontic Work?
If orthodontic work is necessary for you or your children, find out if this is covered when you’re choosing among plans. Ask about how much coverage each family member on the plan will receive and if there are age limits for this benefit?
For additional information on what to look for when choosing dental insurance, contact Oak Hills Dentistry. A full assessment of your oral health can help you decide which insurance plan will best suit your needs.