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What Do I Need To Consider When Choosing A Dental Plan?
Home » Insurance » Dental Insurance » What Do I Need To Consider When Choosing A Dental Plan?What looks like a bargain today may not be a good buy in the long run. While your out of pocket costs are an important part of your decision making process when choosing a dental plan, the cost is not the only criteria to use when evaluating your options. Your primary focus should be to determine whether the coverage will satisfy your dental care needs.
The plan should give you the freedom to choose your own dentist and not restrict you to a panel of dentists selected by the insurance company. Regular visits to the dentist reduce the likelihood of developing serious dental disease and it is best to have and maintain an established relationship with a dentist you trust.
Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment options. You will be responsible for paying the difference in costs.
Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health. But the extent or frequency of the services covered by some plans may be limited.
Every dental plan is different and it is your responsibility to be informed about what your specific plan will cover. The following services should be covered in full, with no deductible or patient co-payment.
Initial Oral Examination - once per dentist
Recall Examination - twice per year
Complete X-Ray Survey - once every three years
Cavity-Detecting Bite-Wing X-Rays - once per year
Prophylaxis or Teeth Cleaning - twice per year
Topical Fluoride Treatment - twice per year
Sealants - for those under age 18
Resources:
WWW.DELTADENTALINS.COM
WWW.UCCI.COM
WWW.HUMANADENTAL.COM
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- What Do I Need To Consider When Choosing A Dental Plan?