Shopping for dental insurance can be tricky if you’re not sure what to look for. To make sure you’re getting a plan that fits your needs and budget, here are the top five questions to ask before signing up:
1. What services are covered—and what’s not?
Not all plans are created equal. Make sure you understand exactly what procedures are covered. Preventive care is usually included, but coverage for basic and major services, orthodontics, or cosmetic procedures can vary widely.
2. Are my preferred dentists in-network?
Using an in-network dentist usually means lower out-of-pocket costs. If you have a dentist you like, check if they accept the plan. If not, find out how flexible the plan is with out-of-network providers.
3. What are my costs beyond the premium?
Low premiums can be tempting, but check the deductible, copays, and coinsurance. Know how much you’ll pay for common services like cleanings, fillings, and crowns, and whether there’s an annual maximum limit.
4. Is there a waiting period?
Many plans have waiting periods for more expensive procedures like root canals, crowns, or orthodontics. If you need immediate treatment, you’ll want a plan with no or short waiting periods.
5. Does the plan include orthodontic coverage?
If you or a family member may need braces or clear aligners, check if the plan covers orthodontics. Some plans only offer limited coverage, and often only for children under a certain age.
Bonus Tip:
Don’t hesitate to ask for help. Licensed agents can walk you through your options and help you find a plan that truly fits your needs. Asking the right questions now can save you time, money, and stress later on.
