Have you been looking around for a new dental insurance plan for the upcoming new year? With all the various options available, it can be difficult to figure out which benefits and conditions would match well with your needs. Before deciding on a specific plan, here are several tips to consider when purchasing dental insurance.
Choose From a Variety of Plans
No two policies will be the same, so you’ll want to sift through the different options and understand the various details before making up your mind. Certain plans may be Preferred Provider Organizations (PPOs) while others are Health Maintenance Organizations (HMOs). PPOs can let you virtually visit a dental office, and you’ll be able to appreciate lower out-of-pocket prices if you pick an in-network provider. With HMOs, however, you’ll have to choose a professional within your network. Between the two options, PPO plans are typically more popular because of their flexibility.
Your Plan Might Have a Waiting Period
Certain dental insurance plans may require a waiting period before your benefits can kick in. This could mean you’ll have to wait six to twelve months before you can have restorative treatments covered, depending on your specific policy. Fortunately, if you’re switching from a different plan, you may have your waiting period waived. That said, if you’re new to insurance, you’re more likely to be subject to a waiting period. That’s why you’ll want to verify the details of your policy with your provider so that you know what to expect.
Different Plans Offer Different Coverage
In the majority of cases, dental insurance plans mainly offer coverage for preventive treatment, such as oral exams, checkups, X-rays, and cleanings. Many companies also help with paying a portion of the cost of minor and major restorative services, like fillings, dental crowns, and root canal treatment. You’ll want to remember, however, that some providers will offer more assistance for certain kinds of care than others, as some might cover dental implants or orthodontics while others won’t.
You Might Be a Candidate for a Group or ACA Plan
Employers can sometimes offer dental coverage for their employees at reduced rates. Be sure to ask about your insurance options and benefits through your workplace. If this isn’t possible, the majority of insurance providers can provide affordable individual and family plans. Also, remember that you can purchase a dental plan through the Affordable Care Act’s marketplace as well as buy one throughout the year if you don’t use the marketplace.
Though getting dental insurance can seem difficult, it doesn’t have to be a complicated process. Keep these tips in mind while deciding on a plan, and speak with your dental team if you need help!
About the Practice
At Supra-Gingival Dentistry, our team is proud to provide the essential and comfortable dental care you deserve. We’re also more than happy to file claims and paperwork for you and welcome all PPO dental insurance plans so you can spend more time improving your smile without worrying much about the costs. If you’d like to know more about the details of your plan or policy, feel free to visit our website or reach out to us at (818) 558-4332.
