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How do you evaluate a dental insurance plan?
When you're searching for a dental health insurance plan, it is most important that you find a provider that will meet the needs of you and your family. While price and accessibility are definitely factors to consider, it is best not to select a dental insurance plan that will not give you the best coverage simply because it is affordable.
Your dental health insurance plan should include adequate visits throughout the year for you and your family, along with discounts on prescriptions if necessary and extended treatment for orthodontic care. In some cases, health insurance plans will include dental services, but you may not be able to have all your dental needs covered unless you have a separate plan.
First, you should check out all the dental insurance plans you may be interested in by requesting a quote. Most of the time, this is free of charge, and you'll find plan descriptions along with the quotes that will help you make the final decision. You can also receive dental benefits from your employer, so make sure to check with your supervisor or human resources department to find out more.
Another thing that will help you decide which dental insurance provider to go with is the number of practices across the country that will accept your plan. While you'll be more concerned with finding insurance plans that are accepted in your city or state, you should also look into plans that have nationwide coverage, in case you have a dental emergency while you're away from home. Next, check for the exact services each insurance provider will cover. All dental insurance companies will provide general care, such as annual cleanings, replacing fillings or caps, or dental x-rays. But if you or a member of your family need major dental work, like a root canal, braces, or crowns, you'll want a dental plan that will cover a large percentage of these services. Finding a dental insurance provider with no waiting period is a plus as well; this means that as soon as you apply for the plan, you'll receive an insurance card within a week or two and begin using your plan right away. Ideal, affordable dental plans for individuals and families include Aetna , Uni-Care, and QualiDent. Prices usually range from $85-135 for individual plans, and $165-250 for group plans.
Be sure to research your potential dental insurance plan thoroughly, and request additional information if what you find online or in a brochure isn't enough. Some plans may also offer vision and chiropractic care, so if you need additional benefits, you might want to look into discount medical plans like the GE Wellness Plan. Once you have researched all the benefits a dental plan includes, you'll be well-informed to make a decision that will save you and your family money in the future, as well as keep your smiles healthy.
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