Fall is typically the start of open enrollment for various types of insurance, including dental insurance. Not all dental plans are created equal, so it’s important to review the benefits carefully to make sure there are no unexpected surprises during the plan year. Ask the following questions so that you can make the right dental coverage choice for you and your family.
What services are covered and at what percent?
Most dental insurance plans cover preventive and diagnostic services, such as x-rays and cleaning, at or near 100 percent. The next tier of care includes basic restorative care, for example, fillings and extractions. This is often covered at a 70-80 percent. The highest level of care includes crowns, bridges, and other major dental work, and is only covered at 50 percent by most insurers.
What are the deductibles and caps?
Like medical insurance, dental insurance usually comes with deductibles that must be paid with each visit, although the amount varies among providers. You should also determine the cap, or the maximum payment, that a dental insurer will pay during the plan year.
Is any large dental work on the horizon?
Perhaps your child needs to have their wisdom teeth removed or you know that a crown will have to be replaced soon. In this case, you may want to opt for a higher level of dental coverage to reduce your costs down the road.
What providers are included in the network?
If you are looking to switch dental plans or sign-up for the first time, do some preliminary research to determine what local dentists are included in the network. If there are few in your area, you may want to consider another plan.
Is full coverage available immediately once the plan year begins?
Some dental insurances have waiting periods before certain dental services are covered or will reduce the payments made for the first few months. Read the fine print and look for an insurance plan that will provide you with the most benefits.
Vacendak Dentistry partners with a variety of insurance plans. For more information or to schedule an appointment contact us at (757) 609-3510 or online. Remember, routine dental care is essential to ensure your oral health.