YOU ASK:

What to look for when choosing a dental insurance plan?

WE ANSWER:

The bottom line in looking for a dental insurance plan would be to find a dental insurance plan that suits your needs. Remember, taking care of your teeth is very important. Having healthy teeth and gums are also directly related to the health of your entire body. Thus, you should ensure that you get as much help you can with paying the dentist in order for you to enjoy healthy teeth.

Here are some things to look for when choosing a dental insurance plan:

  • Coverage. Check what kind of dental care is being provided for. Dental insurance plan may provide diagnostic and preventive care, as well as reparative care. For basic dental care, you should check for the following basic procedures: tooth extractions, dental filling, dental cleaning and repair of chipped or broken teeth. You should also check that bite-wing and full-mouth x-rays are also provided for. A more comprehensive coverage would also provide for dental surgeries, root canals, gum treatment and other costly dental treatments. Please note that braces and other cosmetic procedures are usually excluded, although there are plans that do cover these.
  • Network. If you are required to avail of dental services through a network, check what kind of network is being offered. How many doctors are there? Do you find a couple of dentists that you may want to go to? How convenient would it be to avail of the services of these dentists? Are there long lines and long waiting periods?
  • Premiums and deductibles. Aside from looking at the coverage, another way to know the cost of the plan would be the deductibles, which is applicable for some types of dental plans. This amount is deducted whenever you claim for a certain procedure.

Please remember that even with a plan that has full coverage, not everything may be covered. And there are also some dental procedures that will not be fully paid for. You will have to pay for the balance.

Being able to find a good dental plan would mean getting your money's worth. A good plan will definitely help you save on dental treatment costs and will enable you to avail of the services you need at the time you need them.

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