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Top 10 Things to consider when buying Dental Insurance!

  • ​Having GROUP INSURANCE is WAY better than Individual Plans. Explore the option of retaining your group dental plan from your employer: Before purchasing an individual dental insurance policy, check if you can continue with your group dental plan from your former employer. You may be able to pay the policy yourself and maintain all the benefits even after leaving employment. Absolutley check this option out!
  • ​Coverage and benefits: Compare different dental insurance plans and their coverage options, including preventive care, restorative treatments, and major procedures like root canals, crowns, or oral surgery.
  • ​Monthly premium: Consider the affordability of the monthly premium, and make sure it fits within your budget.
  • ​Deductibles and co-payments: Check the deductible amount and the percentage of co-payments required for different services. A lower deductible might mean higher premiums, so find a balance that works for you.
  • ​Annual maximum benefit: Pay attention to the annual maximum benefit of the plan, which is the most the insurance company will pay within a year. Make sure it's sufficient to cover your anticipated dental care needs.
  • ​Network of dentists: Choose a plan with an extensive network of dentists, so you have a variety of options when it comes to choosing your dental care provider.
  • ​Waiting periods: Be aware of the waiting periods for certain procedures and treatments. Most dental insurance plans may have waiting periods for major services, which could delay your access to necessary care.
  • ​Credit for time on the policy: Some plans may exclude or limit coverage for pre-existing conditions. However, others might offer credit for the time you've been on the policy, which could help reduce or eliminate waiting periods for certain services.
  • ​Optional add-ons and riders: Evaluate any optional add-ons or riders, such as orthodontic coverage, that may be important for your specific dental care needs. Vision is a typical rider on available on most plans. 
  • ​Customer service and claims process: Look into the insurer's customer service reputation and claims process to ensure that you have a smooth experience when you need to use your dental insurance.

When choosing a dental insurance policy, it's essential to consider your specific needs and goals. Working with a licensed insurance agent or financial advisor can help determine which policy is right for you. What do you need to be covered? Check-ups and routine things like cleanings and x-rays? Basic stuff like extractions and fillings? Major things like root canals, bridges, and crowns?


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