1. When choosing dental insurance, start with the basics. Basic coverage ranges from a number of services. The most important service your dental insurance should include is preventive care. This includes free teeth cleaning two times a year. Along with cleanings, you should expect a wellness directory to give you information on how to properly care for your teeth.Basic coverage also includes dental care for tooth decay, which leads to cavities. Chances are, sometime in your life, you will get a cavity. Cost for cavity fillings can be upwards of $100. Expect to pay more if the cavity is on multiple surfaces. Find out what your dental insurance is willing to pay. Your out-of-pocket cost can add up without adequate coverage.
2. Next, check your insurance company’s coverage for major dental procedures.This is where you can really expect the cost to add up. Dental procedures can include everything from oral surgery to braces. The major procedures you should ask about are tooth extractions, veneers, root canals and periodontal care. Find out how much coverage your dental insurance is willing to pay in each instance.
3. Are you interested in braces? If so, ask about orthodontic care. Some insurance companies will pay up to 80 percent for the cost of braces. A good dental insurance company will pay at least pay 50 percent for the cost of braces. Also, be sure to find out how the money will be disbursed.
4. What about emergency care? If you lose your tooth in an accident, you should have coverage through your dental insurance to cover you for immediate care. Some dental companies may try to tell you that is a medical case. Do not be fooled. Most medical insurance companies will not pay for emergency dental care unless it involves care done directly to the mouth, not the tooth. Find out what your dental insurance is willing to pay.
5. The cost of dental insurance is going to be something that is on the top of your mind. Obviously, you need to find out what you can afford. What is your monthly premium? Are you paying directly, or is it drafted out of your paycheck?
6. Ask about deductibles and co-payments. Deductibles are once-a-year minimum payments that you must make before your insurance company pays anything. If you do not pay the deductible, your insurance company will not pay anything towards your care.
7. Co-payments, on the other hand, are payments that you make along with the insurance company. Unlike deductibles, co-payments are billed to you for every occurrence. Find out if your dental insurance offers a flat rate co-payment or a percentage of the bill.
8. Another terrific way of finding the right Dental insurance is by word of mouth. Ask family and friends what dental insurance plan they are covered by,
ask how their experience with their current dental insurance is working for them.