Tips for choosing a dental insurance plan
November 21, 2019
Dr. Katherine Nicholson
This is the time of year most people make their insurance plan selections for the next calendar year. Between changes in your life and changes carriers make to their plans, it can be difficult to determine whether you should stick with the plan you have or make a different choice. Some people forgo choosing their employer-provided dental plan altogether.
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What should you consider before choosing a dental insurance plan? While everyone’s situation is different, here are some tips and factors our Dental Insurance Coordinator, Jennifer, says to keep in mind:
First and foremost: don’t opt out!
One of the best and most cost-effective things you can do for overall health is to invest in your dental care and hygiene. Preventing gum disease is paramount, and studies have shown a link between poor oral health and a number of other health problems, including diabetes and heart disease. Bottom line: good oral health is essential to good overall health. So, opting out of dental insurance is an example of being “penny wise and pound foolish.”
Group Plan vs. Individual Plan
If your employer provides dental coverage (a group plan), that is usually going to be a better choice than choosing an individual plan. Group plans usually provide more benefits than individual plans. Individual plans almost always include waiting periods for major procedures, and group plans often include waiting periods, as well. Be sure to understand what the rules are regarding major procedures before you pick a plan.
What are your family’s needs?
While everyone needs preventive care, if you have children they may need sealants or fluoride treatments. Braces could also be in the cards. Be sure to check whether the plan you are considering includes those procedures, and how much it pays.
Which and how many dentists are in your plan?
If you have an existing relationship with a dentist, be sure they accept the plan you are considering. If you don’t have a dental home, examine the list of dentists in your area in the plan’s network. Make sure it includes a good number of local dentists and specialists so that if you need to change down the road you’ll have several options.
At Carolina General & Cosmetic Dentistry, we accept most dental insurance plans, and our Dental Insurance Coordinator is well-versed on the benefits they include and how each one works. If you would like additional insight on this important decision, call or contact us today. Jennifer will help you decide the best option for you and your family.
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