ust buying a dental insurance is not important, but buying a GOOD dental insurance is more important. You could feel the pinch on your wallet if you have to visit a dentist soon. So more and more people are contemplating whether it is feasible to buy a dental insurance or not. Instead of buying any random dental insurance, it is advisable to do in-depth research into various dental policies and the coverage it provides with respect to certain dental services.
Here are some few tips for buying dental insurance.
Know your needs
Always be sure in advance about what you are looking for. If you are looking for individual coverage or do you wish to include your family in the same. Do you have the budget for the premiums that the dental insurance company will charge? What kind of dental issues are prevalent in your family’s dental history. Try to select a plan which deals with those kind of dental issues first. If you just need to visit the dentist for normal checkups, a basic plan could suffice. However, if you have a dental history with major issues, be ready to pay higher premiums.
Always research in detail about what is covered and what is not. Though most dental insurances cover basic dental assistance, a cosmetic dentistry type service will not be covered. Many dental insurances will only pay for the service if you go to a particular dentist which is covered in In-Network Dentist. If you are more comfortable with your family dentist, then make sure the dental plan you are opting for covers the services independent of the dentist network. In this case it is more advisable to ask the dentist himself if he is enrolled under any network and you may select your plan accordingly.
Deductible in plans
Make sure if the plan you are opting for has deductible or not. Deductible is the partial cost that you are supposed to bear for a dental service before the dental insurance comes into the picture. Deductibles vary according to the plan you choose.
Type of dental treatments
Sometimes the insurance companies force the dentist to use the cheapest dental service even though much better alternatives are present for the same. You have to make sure that these decisions are not controlled by your insurance companies. These plans may be slightly heavy on the pocket but it will provide you the independence to choose the service that is best for you without the interference of the third party.
Know the difference between Discount Dental Plans and Dental Insurance Plans.
You may feel that discount dental plans and dental insurance plans are one and the same. However, there is a major difference between the two. In dental discount plans you pay an initial amount for enrollment and get discount on the overall services for that particular dentist. In Dental Insurance plans you pay monthly premium and you are covered for those set of dental services.
Check the customer reviews and ratings.
It is very important to authenticate the insurer and check the customer reviews and ratings. Genuine reviews will help you to know the fine print that might be included in your plans. It will also give you an insight into it as how much time does it genuinely take for the company to provide you with the money. You may also come to know the customer service that the company provides after the sale of the Dental policy. Also get multiple quotes from different insurance companies and compare them accordingly.
Know the waiting period
Certain services have waiting period before you can get the benefit of the dental insurance plan. Know in advance as to which services are covered under “waiting period” and are you going to undergo any such service in recent time. The waiting period ranges from six months to twelve months. Mostly restorative dental services are included in this list. Also keep a checklist of services included under “no waiting period”. In no waiting period you get the access to the dental benefits immediately without having to wait for a long time. Usually preventive procedures are covered under no waiting period.
A number of dental companies offer interest free premium payment plans. Read in depth the policy to know in detail about it. There are multiple dental helplines which guide you through this tedious procedure of dental policy selection. You may shortlist the number of questions and you may get your answers from these help lines. You may also get in touch with dental insurance agents whom you can consult in case of dicey policies.
Overall if you are looking for a good dental insurance plan, the basic criteria is to look for the plan which could be customized according to your dental needs.