Are you considering enrolling for dental insurance to help save money? Great news, because open enrollment for most health insurance plans begins on November 1st. While some dental insurance plans only fully cover basic cleanings, other plans can drastically reduce your out-of-pocket expenses, saving you a ton of money on necessary dental work for oral health.
Here’s what you need to know before you buy a dental insurance plan:
- There may be a waiting period:
Purchasing a plan for coverage on procedures you need immediately? There is likely to be a specified amount of time that must pass after your policy begins before you have coverage for certain treatments, so be sure to read the fine print.
- Orthodontic coverage may require a special policy rider:
Braces and other corrective services are typically not covered, so if you need treatment to straighten and align your teeth, make sure you add it to your policy or choose a plan that covers it.
- Some plans have a maximum allowance:
This limits the amount of your coverage to a specific dollar amount per calendar year. For instance, if your maximum allowance is $1000, after you have received that amount in paid benefits, you will be responsible for any further expenses.
- Some “insurances” are simply discount programs:
While they can offer great discounts for teeth cleaning and other basic preventive services, they may not save you much (if anything) on emergency or corrective dental work.
- Annual checkups are typically covered 100%, meaning you won’t have to satisfy a deductible first. Preventive coverage is important, since it can help avoid costly procedures such as fillings, root canals and extractions down the road.
Freedom to choose your dentist is important, but choosing the right coverage package for you is often just as important. Pick a plan that allows you to choose one of our amazing dentists at Dedicated Dental, and guarantee coverage at our practice. To find out more information on how you can enroll for dental insurance or to request an appointment, call Dedicated Dental at (702) 566-5509.