Having dental insurance could save you a lot of money on dental treatments, especially if you use it to its full advantage. There are dozens of dental insurance providers on the market, and choosing between them can get a bit overwhelming. Before you pay money toward your policy, you need to make sure you are working with the right insurance company for your needs. Here are five questions to ask before signing up for dental insurance.
Are There Dentists Nearby in Your Network?
A dental insurance network is essentially a set of dentists that work directly with your insurance company so you don’t have to file claims and do excessive paperwork. Some networks are more expansive than others, so you just need to make sure you will have a dentist around you that will work with your insurance. Note that some out-of-network dentists may still be able to file claims on your behalf. You just won’t get quite as much coverage working with them. Find out what your network covers near you and see if it is a good fit for the area.
What Are the Coverage Limits?
Most dental insurance plans will limit the number of claims or the value of the claims you can file per year. Any number that exceeds this cap will have to come out of pocket. The level of your limit will depend on your policy, and obviously higher priced premiums will offer higher limits. If you already know you will need a lot of dental work done in the coming year, you need to make sure your current plan will cover it.
Will the Insurance Cover Your Specific Needs?
At this point, you know the state of your oral health. You are aware of cavities that may need to be filled, teeth that may need to be extracted, and other procedures that need to be completed. Make sure that the dental insurance you get is going to cover those types of procedures. You may not be able to get the complete bill paid for, but you should try to find insurance that pays more than the rest. That will save you in out of pocket expenses.
Can the Insurance Expand to Your Family?
If you are getting a dental insurance plan through your place of work, you need to make sure it can be expanded to suit your whole family. Of course, this is only a concern if you have a spouse or children. You may have to pay extra money per month to convert your individual plan to a family plan, but that will be worth the coverage your spouse and children receive.
Do You Actually Need Dental Insurance?
Dental insurance is a wise investment no matter what, but if your spouse already provides family dental insurance, you may not need some of your own. If you are recently married and hold two separate insurance policies, you may look at combining them into one plan for the whole family. Work with the provider that has the best coverage for both of you, and your smiles will be protected for years to come.