As we highlighted in our previous post, the benefit of dental insurance is that it significantly cuts down on your dental health costs. Therefore, this is an important decision, almost as important as choosing your dentist.
The complexity that comes with choosing a dental insurance is that most often you never know whether you made the wrong or right decision until when you will need service from the insurer. By then, you will probably have paid your premiums diligently for months, funds that cannot be refunded.
Here are 3 simple tips on how to choose the best dental insurance.
Tip 1: You need to understand dental insurance
Dental insurance is structured in a way that it focuses more on preventive measures as opposed to curative measure. This is different from regular health insurancewhich is mostly focused on treatment. Dental insurance will have plans that cover up to 100 per cent of dental services that are preventive in nature such as regular check-ups, x-rays and cleanings. However, as it gets to treatments, the cover reduces to just a percentage of the cost and the patient is expected to pay the deficit out of pocket. In addition, when it comes to complex procedures that are costly, you must have been a member of the dental plan for at least a year in order to enjoy such benefits.
Tip 2: You need to know the limits, caps and deductibles
Generally, most dental policies have been capped at an average of between $1000 and $1,500 per year. This basically means that once you go beyond this cap before the year ends, you are responsible for paying your dental health costs for the remainder of the year out of pocket. You therefore need to be very careful about costs before accessing any service because some of the complex dental services can exhaust your insurance cover after just one visit to the dentist. In some instances, certain insurance covers will have what is called a “deducible,” which is essentially a cost you incur out of pocket at the dentistbefore the insurance can take care of the rest of your bill. It is therefore important to fully understand what the insurer has set as caps, limits and deductibles before you sign on the dotted line.
Tip 3: Consult your dentist
You probably have a preferred dentist and you have selected him/her because you trust them with your teeth. Well, you need to trust them with your money as well. It is important to consult your regular dentist on the dental insurance plan they would recommend for you. This is because they themselves have to be members of that particular insurance network for you to be able to make use of your insurance cover when you visit them. In the event you do not have a preferred dentist, do your due diligence and identify a dentist you can trust who is capable of offering you all the dental services that you may need and advice you on the best insurance cover.
Be sure to carefully consider all the options available to you before settling on a dental insurance. This will be for the benefit of both your wallet and your oral health.