What is the best dental insurance plan for me?
Although there is no one “best” dental insurance plan, some plans may work better for you and your family than others. Plans differ primarily in how much you’ll have to pay monthly for your coverage and how much you’ll have to pay when dental services are rendered. Some plans will require that you pay a certain co-payment for services, or meet a specific deductible before the dental insurance company begins payment. Other plans may limit coverage to a specific dollar-amount maximum per year.
Although there is no perfect dental insurance plan, some plans will be better than others for you and your family. Dental insurance plans primarily differ in how much you have to pay. Although no plan will pay for all of the costs associated with your dental care, some plans will cover more than others. With any dental insurance plan, you will pay a basic premium, usually monthly, to buy the dental insurance coverage. In addition, there are often other payments you must make. These payments will vary by plan, but they are essentially deductibles, copayments, and coinsurance. What questions should I ask? Consider these questions when selecting a dental plan: • How much will it cost me on a monthly basis? • Are there deductibles I must pay before the insurance begins to help cover my costs? • After I have met the deductible, what parts of my costs are paid by the plan? • Which dentists are part of the plan? • Where will I go for care? Are the offices near where I work or live? • If I use
