Many people have worthless dental insurance that they pay a premium for every month but provides them with no real services at all. For a lack of better words they are paying for dental insurance just to say they have it. When they actually need the services their plan is thought to cover they get a rude awakening that can be very unpleasant to go through.
Here are some questions you want to ask of any good dental insurance policy worth a grain of salt.
Does it come with routine visits and preventive care. According to experts, including the ADA, we all should get out teeth cleaned every 6 months to at least once a year. Your policy should covers most of the costs associated with that. Good policies give your family and yourself a certain number of pre-established standard visits every year.
Look for the yearly maximum coverage plan. On an average, the coverage is for $1,000, which reflects the total money that can be paid as dental costs per year.
Check out to annual maximum amount of money the plan covers you for. The average varies but be leery of seemingly low numbers like $500. This coverage would be inadequate especially one with a family.
Does the dental insurance policy exclude all pre-existing conditions? This is another question you need to find out and if so what is their definition of “pre-existing conditions.”
What percentage of the dentist visits do they pay? Is there a co-payment? The really good dental insurance policies pay 80{3d5275f9508c9dd4021075398e098e5db9cf49de07ee931b769af6a77a0ab5ee}. The average ones pay 60{3d5275f9508c9dd4021075398e098e5db9cf49de07ee931b769af6a77a0ab5ee}. Anything less is a waste of your time.
Lastly look at the network of dentists in a particular plan. With many dental plans now the policy stipulates the dentists you can go to. If you go to another one who is not part of that plan you will not be covered. This is usually no big problem at all because they will usually have quite a few choices but you want to make sure several of those choices are near where you live. You do not want to be force to travel clear across town to get your teeth cleaned.
Even if you work for a company that provides their employees with health insurance most of them do not include dental. This is some each individual has to decide if they need and want it. Following the suggestions lined out will help you make the best decision possible.
