Because there are so many different dental health plans with varying benefits, finding the right plan can be difficult. Insurance is expensive, so it is important to take the proper time up front to compare providers and the benefits offered in each plan prior to making a decision on which one is right for you and your family.
The following tips should help you in making the right decision regarding your dental plan coverage.
1. Seek valued opinions – Ask people you know who have dental plans, and find out if they are satisfied with their coverage. If they are content with their provider, get the name of the company. Don’t be afraid to ask your dentist because they have experience with claims from many dental health plans.
2. Know what coverage you are getting – Some dental health plans are for senior citizens or even short terms. You don’t want student dental insurance if you’re not a student. Make sure the plan fits you and your needs.
3. Be sure the plan is applicable to your situation – A dental health plan that does not allow you to use your own dentist is not going to be of much use to you. Make certain any plan you are considering allows you to use your regular dentist. Consider not just the dentists the plan allows you to use, but review all other dental related supplies and services that are or aren’t covered.
4. Check references on service – While some insurance plans might look to be benefit rich on paper, with many of them you don’t find out until later that they don’t actually offer much service once they have your money. Be sure to consider premium amounts as they relate to how easy it is to make a claim. It does not take long to find out if a company is slow to pay claims and quick to dispute every charge.
You want to know what is involved in obtaining service from each specific company. Is there a number you can call for support, and do they even have a customer service department? Question their response rates to cases that require active resolution.
5. Learn the entire scope of the policy – If you have your choices narrowed down to two or three dental health plans, sit down with the representatives of each and find out completely what is covered, the deductibles, and how much the cost to you will be along with what services you will receive in each plan.
What is the Solution?
After you’ve muddled through all the student dental insurance plans, dental health plans for your family, and business dental health plans, you may be ready to give up on the whole thing, but insurance is not the only solution for affordable dental care. One popular alternative is to obtain a healthcare savings plan in addition to, or in lieu of, dental insurance coverage.
You may discover that a discount medical card offers more savings than a dental insurance plan. You can get a total package that might surprise you with the savings you can obtain not only on dental care, but other health care services and supplies as well.
You don’t have to worry with being eligible to get on a discount medical card plan. Once you have made your first premium payment, you can immediately take advantage of your card benefits. The discount card can be for the individual such as in student dental insurance, or it can be for an entire family. You simply select the program that’s right for your situation.