How to Choose the Best Dental Insurance Plan for Your Smile

​Navigating the Dental Insurance Maze: What to Consider Before You Buy

Buying a dental insurance plan can be overwhelming. You can save money with the right dental insurance plan, but it may take a little time to understand the industry and get into the groove. The six companies I work for offer some of the best dental insurance plans, with No Waiting Period. After you get insured, you can enjoy all the benefits the dental insurance company offers. When selecting the right dental insurance plan, consider benefits, waiting period, coverage, cost, customer service, and your individual dental needs. In this article, I break down each of these factors and offer tips on choosing the right dental insurance plan for your needs.

Waiting Period​

The first thing to check when getting a dental insurance plan is the waiting period. Most dental insurance companies have a waiting period that may last up to a year. During this period, you won’t be covered for major treatments such as fillings, crowns, and root canals. You’ll be forced to cover the full cost if you want to be treated or have to wait until the waiting period is over. Luckily, the dental insurance companies I work with have no waiting periods. This way, you can get the full benefits of the plan as soon as you buy the insurance.

Coverage

Another important consideration when selecting a dental insurance plan is coverage. Check to see what is covered under preventive care, basic procedures, and major treatments. Most plans cover preventive care such as cleanings, exams, and X-rays at 100%. Basic procedures may include fillings and extractions, while major treatments cover crowns, bridges, dentures, and sometimes orthodontics. The best dental insurance plans balance these categories with low co-pays or coinsurance rates so you do not get any surprises with higher bills. It may also be beneficial to check if your preferred dentist accepts your insurance or is an in-network provider, as that can help you save more money.

Cost

Of course, cost is another essential factor to consider when choosing a dental insurance plan. The monthly premiums will vary depending on the coverage level and insurance provider. You want to make sure you are not overpaying, but also not getting something too cheap that does not cover much. It may be tempting to go with the most affordable plan, but take a closer look at the overall value by comparing what you will pay and get from each plan. Look at the premiums, deductibles, co-pays, and annual maximum benefit amount to see how much you’ll be paying for each year and how much protection you’re getting in return. You may have to pay a bit more for a monthly premium, but you’re better off and covered better.

​Customer Service/Claims Processing

Customer service and claims processing are also key factors to consider when selecting a dental insurance plan. You want a dental insurance company with good support that can answer your questions, help you understand your benefits and processes, and process claims efficiently. The dental insurance companies I work with offer excellent customer service, making it easy to file claims and receive reimbursement quickly with a hassle-free experience. The last thing you want is to be stuck dealing with your dentist and your insurance company at the same time. Being able to get quick answers and not have to fight to get your reimbursement can add value to the dental insurance company you’re looking to sign up with.

Personal/Dental Needs

Last but not least, consider your personal and dental needs. If you have ongoing dental issues, children who will need orthodontics, or you foresee yourself needing major dental work in the near future, it may be worth it to get a dental insurance plan with broader coverage and no waiting periods. If your dental health is good and you only need preventive care, you may be fine with a more basic plan. Take the time to assess your dental history and future needs so you can select the dental insurance plan that best suits your smile.

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We work with six top-rated dental insurance providers to find our clients the best rates and coverage tailored to their needs. This means you get access to a variety of plans, ensuring you find the perfect fit for your budget and dental care requirements.

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Latasha Fleming – [email protected] ​