Dental treatments can drain your budget, if you are unprepared to handle them. If you are employed by a company that provides its employees medical insurance, chances are, your dental needs are also covered. However, your employer may also choose an employee medical insurance plan that does not include dental care, in order to save on premiums. If that's the case, you would need to have yourself and your family covered with dental insurance, so as not to be taken off guard by a dental emergency.
Options are abound, and you would only need to spend some time researching on various packages offered by insurance companies. Nowadays, you can do your research simply by using the internet and searching for insurance companies in your area. Your best bet is to go with insurance companies who have been in the business for a long time, and who have a solid reputation when it comes to paying the claims made by their policyholders.
Your first consideration when choosing the best insurance option for you and your family is your budget. How much could you afford to set aside for monthly premiums? You may get a better discount with annual premiums than monthly ones, but make sure that the amount needed is not beyond your budget. What are the benefits that you expect for the amount of money you are willing to pay for dental insurance premiums?
Check if there are limits on pre-existing conditions, and how much time you have to wait before you can start using your dental insurance benefits. Read the list of service fees that the insurance company would be willing to cover, and compare these fees with what is regularly charged by dentists in your area. You may also want to find out if your dental insurance plan will allow you to use your family dentist's services, even though he or she may not be in the roster of dentists accredited with your choice of insurance company.
Some dental insurance packages are offered by dental health management organizations (DHMO) which lets you avail of dental preventive services such as prophylaxis, fluoride applications and regular dental check up for free. DHMO insurance plans require you to pay a fixed monthly premium, in exchange for discounts, freebies and other benefits. Other more expensive dental procedures like braces, implants and teeth whitening are usually not covered.
Dental insurance is no longer … More