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What You Need To Know About Buying Dental Insurance

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Dental InsuranceDental insurance is not just health insurance for your teeth.  Typical dental insurance covers preventative care services such as: cleanings, checkups, fillings, crowns, and root canals, which can all be costly without insurance.  Dental insurance is not open-ended like traditional health insurance.

Here are some tips when looking for dental insurance…

  • Make sure that your preferred dentist accepts the dental plan and insurance you are looking at.  Many insurance companies have a list of dentists that accept the insurance plan you are looking at.  When you choose a dentist within your provider’s network, you will pay less out of pocket.
  • Make sure you know what your co-payments and deductibles will be.  Expensive procedures, such as crowns or root canals, may have a high deductible than routine visits.
  • Cosmetic dental surgery is almost never covered by dental insurance plans.  Cosmetic dentistry includes teeth whitening and dental implants.
  • Only buy the policy that you really need.  If you don’t need braces, don’t purchase a plan which covers braces, you will typically pay more.  Some plans cover an array of dental issues, while others are more limited.  Know what you are buying.
  • Don’t wait for problems to arise before you buy dental insurance.  Most dental insurance plans have a waiting period for any major dental work, so don’t wait until your teeth hurt to purchase a policy.
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