Most family dental plans work like other health insurance plans. You pay a regular rate, or premium, and your plan covers a certain amount of your dental care costs. As you start comparing plans, what factors should you look for?
4 Factors to Consider When Comparing Affordable Family Dental Insurance Plans
- Everyone needs preventive care. Each member of your family should typically get a professional dental cleaning twice a year. Other services, such as x-rays and fluoride treatments, may also be needed regularly. Your dental plan should include coverage for preventive care, but your out-of-pocket costs may vary by plan.
- Restorative procedures, such as fillings, crowns, and bridges, are sometimes necessary. If you anticipate needing any of these procedures, look for a plan that offers coverage for this level of service. Some plans have copays and deductibles for these services, while others pay a percentage of the cost.
- Do you have a preferred dentist? Most dental plans include a network of dentists from which you can choose. In general, you will pay more for services provided by a dentist who is outside the network. Ask your insurance company or agent if your dentist is in their network. This can add up to significant cost savings. In general, you will pay more for services provided by a dentist who is outside the network.
- Do you want to pay a higher premium with lower out-of-pocket costs, or would you rather pay a low monthly premium and pay more out-of-pocket when you receive services? Depending on your budget and needs, would you rather pay higher premiums knowing that your services will be low cost? Or, would you prefer a low premium and pay more when services are rendered?
You deserve affordable family dental insurance. You can choose an affordable plan for your family with just one phone call to HealthMarkets Insurance Agency. Our representatives are available 24 hours a day by phone at (800) 360-1402. We also have insurance agents in communities nationwide who are available to assist you, free of charge.
http://www.nlm.nih.gov/medlineplus/dentalhealth.html | http://www.colgate.com/en/us/oc/oral-health/life-stages/adult-oral-care/article/sw-281474979079432 | http://www.colgate.com/en/us/oc/oral-health/cosmetic-dentistry/bridges-and-crowns/article/what-are-dental-crowns-and-tooth-bridges